davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CT)

I subscribed to ProtectMyId, an Experian product endorsed by XXXX. Listing my credit cards, glitches with my XXXX XXXX card began. 

I cancelled my {$8.00} monthly XXXX XXXX subscription. 

My credit cards, driver 's license, social security card, birth certificate, XXXX XXXX   insurance card, extra passport photos, library cards, car key, house keys, work keys, PO Box keys, and product cards such as XXXX were stolen from where I live. More than once. I suspect my vehicle was illegally used when while at work, researching behind closed doors and where I live. This is larceny and thus bought the ProtectMyId credit monitoring. 

Is a consumer report used by aggressive marketers, product competitors, and health care subcontractors? 

Stealing my insurance card might be used to buy groceries and create a problem for me. Stealing my photographs and mail might create a fraudulent federal ( U.S. citizen ) identification to travel. 

Connecticut so far hasn't employed me for non-skilled labor, where I'm a life long resident. The Department of Labor won't calculate my Unemployment Benefit rate factually and is in the second Appeal.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

Several people were called including myself we were threaten called names, harrassed repeatedly every day with calls from a private number indentfying there self as Diversified consultants they would call and threaten to take legal action and shared personal information concerning who they were calling about to the people who they placed a call to trying to contact a certain person in all they contacted about ( 4 ) different people daily we all were harrassed and threaten by diversified consultants daily we asked them to stop calling and they did not stop with the calling this issued bothered me so much becuase its one thing to harrass but to threaten me is crazy I would have been more cooperative had they would have not threaten me and my family
Consumer complaint received 2019-06-02
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. (GA)

On ( XX/XX/2019 ) I discovered ( XXXX/XXXX ) had been re-inserted into my credit file from EQUIFAX, INC after being removed from my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MN)

Re : Complaint Against PNC Bank Regarding Unjustified Hold on Legitimate Business Transaction I am writing to formally file a complaint against PNC Bank, specifically PNC Bank XXXX XXXX XXXX, XXXX, PA XXXX for placing a prolonged and unjustified hold on a legitimate business transaction involving my business account. Despite providing all the necessary information to verify the legitimacy of the transaction, PNC Bank continues to hold the funds under the claim of fraud investigation and has informed me that the investigation will take an additional 30 days to resolve. 
Details of the Incident : Transaction Details : Amount of transaction : {$200000.00} Date of transaction : XX/XX/year> Payee information : XXXX Payer information : XXXX Reason for transaction : The transaction was made as payment for Services Rendered from Payee. I have provided PNC Bank with a valid invoice, and confirmation from the payee as evidence of the transactions legitimacy as well as the receiving name of the payment according to Payee DBA. This form of Business transaction is a Form of Business Trust transaction ( the receiver has to verify with the banker the payee and receiving name of the transaction ) as well as the sender.

Issue with PNC Bank : On XX/XX/year>, I received a notification from PNC Bank that the deposit related to the above transaction was flagged for potential fraud and was being held for review. The payer obviously provided transaction instructions sent to the banker. In cases involving a business trust, the bank needs to verify both the name of the payee ( entity receiving the funds ) and the receiving name ( often the name associated with the trusts account ) to ensure proper alignment and compliance. PNC is not complying! I immediately contacted the banks fraud department and provided all requested documentation, including the invoice associated with the transaction. Despite my prompt response and submission of legitimate supporting documents, PNC Bank has informed me via call XX/XX/year> that they need an additional 30 days to conduct an investigation before releasing or returning the funds.

Impact on My Business : This hold has already lasted over three weeks and is severely affecting my business operations. I have lost access to a significant amount of business and funds needed for day-to-day transactions since we just recently started getting business opportunities and to fulfill commitments with my vendors. As an independent contractor and business consultant, the extended hold is damaging my cash flow and causing undue financial strain.
Consumer complaint received 2019-06-02
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. (MI)

XX/XX/2019 XX/XX/2019 XX/XX/2019 TransUnion, has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Consumer complaint received 2019-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from TRANSUNION after being DELETED. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Consumer complaint received 2019-06-02
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 (CA)

I was making a Bank of America credit card payment on XX/XX/2019 when the process became longer than usual. Because I paid from another banks checking account in the past, I usually asked if I want to use the same bank for payment to make it a shorter and quicker process. Instaead on this date of XX/XX/2019 around sometime in the after noon California the I was prompted to give all the outside bank '' s Iinformation - Routing and account information, which the bank would remember from past and not ask for in detail. I called later to ask a representative and she said it was a system wide glitch. She seemed nice, but did not say it would be present to the public as a notification to be aware of as happening are shared with CFPB. So I am reporting it and hopefully actions and methods will go back to a use the reflects retention of secure information and hint identification for smoother and secure transactions and future use.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian serves me a thin creditor with none of my accounts showing, but they serve potential creditor savior file with information that is not correct in relation to one single and incorrect late payment to XXXX XXXX in XX/XX/XXXX. 

because I CAN NOT pull a property posted file, I can not dispute it which is causing Major business difficulty as need financing now.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XX/XX/2019 XX/XX/2019 XX/XX/2019 EQUIFAX, has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This Debt collection agency is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful. 
This company is now also calling and harassing my wife, without having any valid information.
Consumer complaint received 2019-05-29
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. (TN)

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine USDOE/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

My Macy 's in store credit card was switched in XXXX to a use anywhere Macy 's XXXX XXXX card without my permission. My payment is set-up on auto-pay for the XXXX of each month. When Macy 's made the switch to XXXX XXXX, the payment date was changed to the XXXX of each month. I was also on paperless bill and must have missed the announcement. Macy 's charged me a {$27.00} late fee ( refunded ), but many others may miss this unfair charge and pay it! Resulting in thousands of dollars of profit for Macy 's and/or XXXX XXXX!
Consumer complaint received 2017-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (CA)

I have a ford XXXX XXXX the lease was completed on XXXX XXXX. I called the ford dealer for two more months of extension.they gave me XXXX XXXX to cover the balance.i called on XXXX XXXX to make a payment of XXXX XXXXthe ford dealer do n't wanted to receive my payment.that date until today I tried to make an arrangement with the ford dealer.but they refuse to do someting about it.today XXXX XXXX I received a call from the Ford dealer and telling me this weekend delivered the vehicle to the ford dealer.and i want my car and i want to pay for it.please help me!!!
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (ME)

I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. Thank you.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

It was XX/XX/2018. I was trying to purchasing an Motorhome on XXXX XXXX for {$35000.00}. The scammer said they will ship the car to me for free, I have 7 days inspection, after that they will release my payment to seller. 

They have a very convincing website. I totally believed they have a whole fleet to do the shipping. But I do have some doubles, so I asked for shippers ID, shipping company 's business permit and other docs, the scammer provided all. All fake of course. 

I never seen the motorhome and tried to contact the bank that i wired my money to ( XXXX XXXX, XXXX fraud department ). They said they were aware of the situation since there were other victim reported fraud to them. The scammer 's account is frozen ( XXXX XXXX acct # : XXXX ), and my case # : XXXX. They were asking me for a " hold of harmless letter '', I reported to my bank ( case # : XXXX XXXX ) asked my bank " bank of america '' for many many times to help me with the letter, but they refused. 

Now the case was solved by FBI, they caught 30 scammers all together and porsecuding them one by one. Victim Identification Number ( VIN ) XXXX ', here is the victim office contact : U.S. Department of Justice XXXX District of New York XXXX XXXX XXXX XXXX XXXX XXXX  , NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I just want someone can help me to have a hold of harmless letter and have the money back {$35000.00}.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to equifax and XXXX currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my equifax report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Consumer complaint received 2024-11-16
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-02
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. (VA)

I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull my credit.
Consumer complaint received 2019-06-01
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have an issue with XXXX XXXX/ consumer relations acknowledging information reported erroneously on my file. I disputed the following acct ; XXXX XXXX XXXX account number ending # XXXX back in XX/XX/2019. The account was showing a negative balance. After disputing the account with XXXX XXXX, the account now reads paid in full. I disputed the account as inaccurate, I never owed XXXX XXXX XXXX any financial compensation. I explained this issue to XXXX XXXX, However, the account is still showing on my report. I have been unable to obtain a new bank account due to the false reporting on my file. I recently receive letter from XXXX XXXX XXXX which excludes from this account. I forward the letter to XXXX XXXX   earlier XX/XX/2019. The letter indicates that the account should be removed from my file. I never paid XXXX XXXX XXXX, because I never owed them any money. Ironically, the account now reads paid in full after I disputed with XXXX XXXX.I have enclose a copy of the document receive from XXXX XXXX XXXX dated XX/XX/2019 for the removal of this account. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this matter resolve. I have not been able to open a checking account due to XXXX XXXX   allowing this false and erroneous information to remain on my file.
Consumer complaint received 2019-06-01
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: NCC Business Services, Inc. (FL)

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Consumer complaint received 2019-05-29
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. (MO)

on XX/XX/19 I opened up XXXX disputes against XXXX  and XXXX XXXX XXXXXXXX from my Chase credit card. Chase has all the dispute information in their file. XXXX the merchandise was returned because it was defective. I never received a replacement or credit. When I left the defective merchandise I was told someone would contact me which never happened. For XXXX XXXX  these were not my charges. Chase contacted me about these charges and the agent was incredibly rude and incompetent. He would not listen to me, conduct an investigation, provide me with receipts, and was mischaracterizing everything I said. The level of incompetence displayed by him was truly astounding.