davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service (TX)

My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (NJ)

I applied for a PNC credit card on XXXX  and got denied. Regardless of the reason for being denied, I have the right to my own credit, withholding my access to my securities is securities fraud and they are violating the equal opportunity credit act as well as the consumer credit protection act since they are denying me my credit they can either reconsider the application or they can remove my application from their system and remove the inquiry it put on my credit report. If they still deny me I will hold them guys accountable with {$1000.00} fine per violation I find. It is against the law to deny me of my own credit and Im willing to let that slide as long as they accept my application. 

XXXX XXXX ATTORNEY FOR ALL CAPS NAME FOR XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has breached the Fair Credit Reporting Act, specifically under Title 15 USC 1681, Section 602, which guarantees my right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 specifies that a consumer reporting agency is prohibited from providing information about my account without my written consent. Moreover, under 15 USC 1666b, a creditor is not allowed to label a payment on a credit card account within an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am a victim of the Equifax XXXX XXXX I filed a claim it was approved but nothing has been done no monitoring no reimbursement for money I spent to try and fix the damage caused to me. They're inquiries on my credit that were not initiated by me and when I informed Equifax of the issue they refused to correct it. it is an ongoing battle with Equifax to keep an accurate Consumer report on me. currently, there are several XXXX accounts XXXX my credit report though I have only had one account ending in XXXX. I've filed several disputes and they remain on my credit profile, no other XXXX credit card was ever mailed to me or was ever in my position. Between Equifax and XXXX XXXX, my consumer right continues to be violated. see attached
Consumer complaint received 2024-08-22
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. (TN)

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TRUHOME SOLUTIONS, LLC (PA)

I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Bankruptcy Federal XXXX XXXX XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$1300.00} Chargeoff XXXX XXXXXXXX BALANCED {$0.00} Chargeoff XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Disputing e-Oscar code - 105 Disputing DATE OF FIRST DELINQUENCY Disputing DATE CLOSED Disputing PAYMENT STATUS Information is INCOMPLETE and does not meet METRO 2 COMPLIANCE STANDARDS. Update or modify ALL information or delete entire account from my profile How is account PAID but in collections? What is SETTLEMENT AMOUNT? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NC)

Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX XXXX XXXX, XXXX XXXX, submitting this complaint without any assistance from any third party.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Enterprise Systems, Inc. (SC)

In 2009, I was trying to enroll with XXXX University to earn a XXXX in XXXX. I was told that I did not have the required credits to enter the program. I did not enroll, did not pay the enrollment fees and did not pursue the degree. XXXX received funding through XXXX XXXX in 2009. Since that time, I have been trying to resolve this issue with all parties. Now, XXXX XXXX is contacting me via XXXX, regular mail and by phone numerous times per day even using a spam type of service to call me using my own cell phone number. I have explained that I did not receive these funds from XXXX and was never enrolled. XXXX XXXX has stated it does not matter if I did n't receive the funds that I am still required to pay even if it went to XXXX. They are now telling me that I am going to be facing legal action, seizure of personal property and tax refunds. I can not get them to stop.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (VA)

I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.
Consumer complaint received 2023-08-07
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. (LA)

XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.
Consumer complaint received 2020-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I filed a complaint with Capital One in XXXX 2020. There were multiple charges on my account that I did not make. When I became aware of these charges I called Capital One and I explained to them that I did not make the charges. Capital One investigated for XXXX month and then they reversed the charges and put the money back in my account. Today XX/XX/XXXX I tried to make a purchase with my credit card and it was denied only for me to learn that they have reversed the charges. I called Capital One and spoke to XXXX who identified himself as the manager of the fraud department his ID # is XXXX. He explained that the reason that it was reversed was because I did not mention that the card was in my possession at the time even though I did because I mentioned to the representative the first time that my card was lost/stolen. XXXX told me that I have to go and now get a police report and not once has Capital One communicated any of this information with me. The dates and amounts for these transactions are as follows : XXXX2020-XXXX2020 {$410.00} {$330.00} {$310.00} {$110.00} {$46.00} {$38.00} {$31.00} {$29.00} {$17.00}
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.