davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (PA)

I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my previous communication, these items have not been removed.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CO)

I've been having issues since I signed up for PNC checking account. I never received my debit card. Then, it took an hour for the XXXX branch to print a card. The banker was more interested in trying to get me to sign up for XXXX accounts instead of the XXXX. The ATM is always out of order. I can not add XXXX XXXX. It keeps saying it can not be verified. I was told someone would follow up. PNC assigned me to XXXX XXXX who has been out of the office on vacation for over a week! I responded to her email as soon as she sent it! When I reached back out again, I was told someone else would reach out. That never happened. I've posted multiple times on social media asking for help. 

Yesterday, I spoke with an agent named XXXX who refused to let me speak with a supervisor or even another agent. He sat on the chat for almost XXXX hours. At one point, he told me I needed to " be careful '' in XXXX. I have a screenshot of the conversation. After this, my account was suspended and I can not access it or my funds. I informed PNC of this already. No one has followed up still.
Consumer complaint received 2023-03-06
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. (NY)

In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I signed up for Marriot Bonvoy Rewards credit card with a sign on bonus of XXXX points if I spent XXXX dollars in 3 months. I spent close to XXXX by the dead line. My dead line date ( I called several times to confirm ) was XX/XX/2024. I was told by their customer team that I was eligible for the sign on bonus I just needed to wait until XX/XX/XXXX to get them applied to my account. I called today to find out why they weren't applied and was told I was ineligible because I didn't meet the spending requirement. 

Attached is my activity for this card.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (WA)

I used to go to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Last year, I canceled my membership and moved to a different neighborhood. A couple of months later, I started receiving emails and calls from a debt collector demanding {$220.00}. They somehow have my credit card and personal information and keep contacting and bothering me. After researching, I found that many people are facing similar issues with this debt collector, Aldous and Associates. 

Additionally, I discovered that the gym has closed and no longer exists, leaving no place to file a complaint. I've attached the cancellation email from the gym and a sample of the emails as proof.
Consumer complaint received 2024-08-23
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. (SC)

I filed a dispute against Transunion for a number of different accounts that were listed on my credit report. I shipped the dispute via certified mail through usps, with an arrival date of XX/XX/year>. Transunion failed to initiate a thorough investigation into my dispute claims. It would seem that my account was verified as accurate, even though there is still incorrect information regarding this account on my credit report. Not only is this account listed as two separate account with the 3 credit bureaus, Transunion claims that the account is open. Yet, XXXX says that the account is closed, as well as XXXX. This is willful noncompliance from a consumer reporting agency. I will be providing the email that was sent to me via email from XXXX, regarding the responsibility of a credit reporting agency when a dispute is filed. I also will be providing the original credit report I pulled my information from, as well as the investigation results from Transunion that verified my account as accurate. I also will provide the new credit reports I pulled from the 3 bureaus on XX/XX/year> and XX/XX/year>. These credit reports still reflect the same incorrect information being reported after my dispute was concluded. These documents prove my claims that they neglected to mount a full investigation and uphold my rights as a consumer.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am filing a complaint against my former apartment complex due to numerous issues that have caused significant distress and financial harm. From the beginning, the apartment management exhibited poor communication, often not being in the office or taking calls. 
My primary complaint is a {$1700.00} cleaning fee charged after I moved out, which is more than my monthly rent. This fee includes charges for damages that were noted in my initial maintenance request form upon moving in, such as water intrusion, which were the buildings responsibility. 
Throughout my tenancy, I faced several issues, including : Unauthorized Lock Changes : The management changed my front door locks while I was at work without prior notice, claiming it was for inspections. This caused inconvenience as I had authorized someone to access my apartment, and they were unable to do so. Despite claiming they called me, I had no missed calls. They refused to provide a key to my authorized person, forcing me to leave work multiple times due to their in-person policy. 
Lost Rent Check : The management required rent payments by check, which they subsequently lost. They attempted to charge me again, stating I needed to provide a receipt. I provided the receipt, and they eventually found the lost check after searching their office. 
Early Move-Out Request Ignored : I requested to move out early due to these ongoing issues and spoke with the regional property XXXX, who initially agreed but then became unresponsive. I was forced to stay for the remainder of the lease, anticipating further issues. 
After moving out, I received the unjustified {$1700.00} cleaning fee. The new XXXX stated he could not assist as he was not present during my tenancy, and the regional property XXXX directed him to handle it, which he could not. 
These charges are illegitimate and have negatively impacted my credit, preventing me from obtaining anything in my name. I seek assistance in resolving this matter and removing these unjust charges from my record.I moved out XX/XX/year>. I requested to move out maybe XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Accounts Receivables, Inc. (FL) (FL)

On XX/XX/year> I received a call from checkmark collections. Their robo voice mail stated they were calling about an outstanding fine with the clerk of the circuit court to resolve my outstanding balance. They said my payment ID is : XXXX quadrillion, XXXX, XXXX, XXXX, XXXX, XXXX and zip code XXXX. They called from XXXX but did not leave a call back number. 

Then on XX/XX/year> I received the same call, same ID, same exact information but in my sons name!
Consumer complaint received 2024-08-29
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated and removed : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES 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 2024-07-29
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: DISCOVER BANK (CA)

I am respectfully filing a Retaliation and Discrimination Federal Complaint against Discover Bank XXXX XXXX XXXX  who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case XXXX XXXX. I personally attended the court hearing today at XXXX XXXX  at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was present as she was subbing in for XXXX  XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX  was present via XXXX  and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
Discover Bank Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is Discover Bank Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
Discover Bank Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against Discover Bank Credit Card be filed with US Department of Justice immediately.

Extreme Very Urgent Matters!

Notice : Discover Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, XXXX XXXX  investigations will be in the best Special Interest of Discover Credit Card Bank and not in my favor.

His email : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/year> I realized my Wells Fargo account was lower than usual and that there had been some charges sent to my XXXX XXXX account that I had not done for {$160.00} on XX/XX/year>, {$100.00} for XX/XX/year> another for {$100.00} on XX/XX/year>. During these dates my ex girlfriend was in town and I believe she used my phone to transfer money to my cash app account to send to her cash app account so I could not dispute. I hadnt noticed the transactions before the XXXX because I have other checking accounts with different banks. I was waiting on Wells Fargo to call me for an statement but I called them on XX/XX/year> because I had seen my case was only opened and had not started processing and there were no additional emails asking for me to provide any additional information. I asked my ex on the XXXX did she do it and she admitted it I was waiting on a chance to talk to the bank or for the bank to email me with more details before I called today on the XXXX.
Consumer complaint received 2024-06-27
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. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of XXXX credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from XXXX regarding my Debt validation letter I sent certified with signature required. XXXX and Transunion did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all XXXX credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist letters.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter via certified mail through the United States Postal Service. It's been more than 30 days and the credit bureau failed to return the investigation information. 

( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage is Carrington Mortgage Services, I have my mortgage payment on Auto pay so never open my statement. I recently opened the most recent XXXX Statement dated XXXX and to my disbelief they are showing That there is an overdue payment for {$4300.00} ( I have no idea what that is for - I looked at my credit bureau and I show as paid as agreed ). Furthermore, under current loan balances they are showing a deferred amount of {$9900.00} ( also no idea what that is for ). 

I spoke to two different representatives at Carrington ( one of them a supervisor ) and neither knew what those amounts were for but insisted that I owed them. I would like for Carrington to remove those amounts from my mortgage and provide me an updated statement along with {$1000.00} for the time I spent on the phone and internet with them.