davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Premier Account Management (SC)

This company ( Premier Account Management ) and its XXXX  employee ( XXXX XXXX ) are the epitome of UNPROFESSIONAL and DISRESPECTFUL! I received a text on XX/XX/XXXX being accused of misappropriation of insurance funds and theft of services ( which are all LIES ) and that I needed to contact that company that very day or they would go ahead and file a motion against me the following day. I contacted the number in the text regarding the frivolous lies and was met with a NASTY attitude by XXXX XXXX. He screamed at me while telling me he would " XXXX XXXX XXXX XXXX XXXX '' He repeatedly yelled that I stole money that did not belong to me and would hardly let me get a word in. He also referred to me as a " XXXX XXXX '' ( which I find highly offensive XXXX XXXXXXXX seeing as how I'm an XXXX XXXX XXXX ), he brought up my family members ( living and deceased ) that has nothing to do with this situation, Again, I was threatened with XXXX  and how he would get the Attorney General on a three-way call ( didn't have enough pull to pull it off, lol ). I was also threatened with a lien on the home and they would start foreclosure proceedings. Like I told XXXX XXXX I attempted to pay this company, but I was NOT going to pay them the XXXX they wanted instead I was going to pay them the XXXX I received from the insurance company, because they damaged my personal belongings and property and did NOT deliver on the services that they guaranteed. XXXX XXXX told me to get my debit card out because they would accept the XXXX. I asked for proof/verification, and he said he would send it via email ( NEVER received it ). After thinking about it, I told XXXX XXXX and a XXXX XXXX who was now on the phone that I would rather pay the company directly because I did NOT trust them at all after being berated and demeaned. They told me that was not an option, and they would call the company on three-way to verify that they would not accept the payment directly from me ( which they NEVER did ). This XXXX XXXX  company needs to be STOPPED!
Consumer complaint received 2024-05-17
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANCO POPULAR DE PUERTO RICO (WA)

This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.
Consumer complaint received 2024-08-15
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: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/year> I purchased an A/C repair kit from XXXX for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with navy federal to get this corrected since I did not buy 2 of them. On XX/XX/year> Navy federal put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed my credit score and years of hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I need your assistance with the false account listed on my credit report. Im raising this issue because it has negatively impacted my reputation, and I require your help. Your mishandling of my credit report has left me in a difficult position, as the false information has severely damaged my reputation. It is crucial that these inaccuracies are eliminated so I can move forward with my family.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Delinquent account — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

A credit card account went over the balance, I usually keep it high to make it gain interests, after the month 's end, the financial institution ( Banco Popular de Puerto Rico ( BBPR ) ) charged the usual monthly interest rates on the card, it goes over the credit Limit on XX/XX/XXXX, by XX/XX/XXXX XXXX I 've submitted my payment. 

Today XX/XX/XXXX I receive an alert from XXXX that there is a negative report on my XXXX XXXX Credit Report. This financial institution after making my payment on time ( which I make multiple payments a month ) is targeting me from working at a local competitor company by holding my fund on my checking account as well, but I 'm resolving that issue by moving to XXXX XXXX.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO (FL)

This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

Good morning, On XX/XX/2023, my direct deposit went into my primary checking account with PNC bank. I have a secondary account that I transfer funds to that I use to categorize certain transactions. When I toggle my debit card to process transactions from a certain account, the processing of debits, withdrawals, payments, and XXXX 's ( posted and pending ) become convoluted to the point that items that had previously cleared get returned and there are numerous instances of duplicate postings that take days to clear up. As of today, I have a payment that was posted to one account, but is showing that it will be returned as unpaid to the merchant on another account. This is at least the 3rd instance of this happening this year and the resulting fees and penalties from both PNC and the merchants is unfair, unacceptable, unethical and possibly illegal.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-26
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-17
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. (FL)

I am writing to follow up on my previous three attempts to address issues on my credit file, specifically the correction of late open accounts and the removal of a charge-off. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. With this, I am asking for your assistance to remove the fraudulent items : XX/XX/XXXX XXXX XXXX XXXX, FL XX/XX/XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XX/XX/XXXXXXXX Balance : {$8700.00} ; XX/XX/XXXXXXXX Balance : {$20000.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently reviwed my credit report and I nticed a number of inquiries that I did not authorize. I have asked that they be removed from my credit report but they have not. These need to be removed immediately as I have had identitiy theft issues and this is adversely affecting my ability to do the things I need to do in my business and personal life. These are the unauthorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (OR)

On XXXX XXXX I made a XXXX transfer from another account to my Truist Account, I received an email notification that money had been sent. On Tuesday, XXXX the money had not hit account. I contacted Truist they said it was received and would got to my account the next day. Per Truist deposit information XXXX payments are immediate buy they held my money for 4 days.
Consumer complaint received 2024-08-26
Product: Credit 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. (PA)

XXXX REFUNDED {$520.00} 2 MONTHS AGO, and chase refuses to credit my account. on XX/XX/year>. the XXXX CHARGE IS DATED XX/XX/year> THEY HAVE DAMAGED MY CREDIT REPORT MASLISCIOUSLY THEY SHOULD BE CHARGED WITH ELDER CRIME. 

I WILL CHARGE. {$2000.00} CONSULTATION FEE TO RESOLVED THIS FOR THEM
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I posted with my banks online bill pay my XXXX payment due XX/XX/year> to post on XX/XX/year>. I have the confirmation that Comenity Capital Bank recieved the payment on time from my bank. However when I called customer service when I noticed the payment had not posted. So went on Comenity 's direct site and posted another payment. The banks website showed a mess up on my online which I explained to the customer service agent. That she saw XXXX different bank account numbers and different posting dates. Yet the XXXX payment had not been posted. So she put in the lost payment inquiry. With no response the payment magically was found and processed after I had sent multiple messages that I had my bank put a stop payment since it showed received by the bank and then lost. I asked them to NOT process the payment since I had made an additional payment to cover it. I have never been late on this account. I asked for the late fee which was their error to be credited. NO I was told. Then they did process the magically lost payment that they said they didn't receive. So then they charged me a Return Fee.

I asked for that to be credited. The reply was they have closed this inquire and no further response. In addition they didn't email my XXXX statement. I feel like they want me to miss a payment so they can charge more fees and try to report a negative on my credit report. I have recieved XXXX calls from the bank to resolve my concerns. This error was completely on their end. However I the customer is paying the price of their error.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I am writing to request a reinvestigation of the following items ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

Disputed Item ( XXXX ) : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account XXXX Charge off Balance {$1000.00} XXXX. Northstrom TD Bank XXXX XXXX Princess XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX Charge off {$1600.00}. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX Charge off {$4500.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX Charge off {$8100.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Account XXXX Collections {$3100.00} XXXX. XXXX XXXX XXXX Account XXXX Collections {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Collection {$740.00} XXXX. XXXX portfolio services XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX Account XXXX Collections {$2300.00} Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

formally dispute several items on my credit report. This letter serves as my third request for assistance with these disputes, and it is being filed with the Consumer Financial Protection Bureau ( CFPB ) for further disposition and arbitration in accordance with consumer protection laws.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have been trying to work with Specialized Loan Servicing in order to obtain a loan modification. All the documents were sent via EMAIL to them on XX/XX/2019. 

I followed up and was told only a question needed to be answered regarding my husbands employment. 

Then I receive a letter that I am missing documents. They are ridiculous. They are telling me that I need to have my profit and loss statements stamped by an accountant. This is NOT a requirment in order to receive a loan modification. 

Then they tell me they have to verify my husbands address ; 3 different ways are possible, drivers license, utility bill or CREDIT REPORT. Do they not realize my husband signed an authorization for them to CHECK HIS CREDIT REPORT? 

They do not now what they are doing.
Consumer complaint received 2024-07-30
Product: Credit 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: Affirm Holdings, Inc (MA)

I was told by XXXX XXXX that it was a XXXX $ consulation fee for appt. if not covered by insaurance.I met with XXXX XXXX on a holiday which insurance was closed and couldnt confirm insurance would pay for treatment. he had me open an account with Affirm I requested for mens health to reverese contwct because I was in 3 day cancellation of contract. he then said i need ed talk to director. they are tried to charge me over XXXX for 1 day of service. they never put the account in dispute, never fixed the reveresal. and now is ruining my credit. I canceled on XXXX/XXXX/2024 i have 19 emailed going back and forth with XXXX XXXX saying he cant talk to me because its in his directors hands, they still have not fixed the account and did not treat the account as a dispute by affirm or from XXXX XXXX
Consumer complaint received 2021-02-12
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. (IA)

On XX/XX/2020 I sent a dispute to Equifax about two medical collection accounts : 1-XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX I informed Equifax that this collection agency was in violation of the HIPPA Law by reporting medical information on my credit report. 

I sent the same information to the two other credit reporting agencies : XXXX  and XXXX and they replied that they had deleted those medical accounts form my credit report. 

Equifax, does not even bother to respond. It has been more than 45 days and uo to this day, they have not replied to my dispute
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Due to my social security number being published on the dark web, I tried to ensure that my credit files are frozen. 
On XX/XX/2024 I tried to access my account with TransUnion, but they require 2-factor authentication using an old email address that was terminated by the provider, so I can no longer receive email via that address. So, they locked me out of my TransUnion account. 
I called their Website Access Support Team, but they did not fix my account access nor did they follow up as they promised. 

Today, XX/XX/2024, I continue to be locked out of my TransUnion account for the same reason, and so I can not check on the status of my credit profile there and my recent call to their Website Access Support Team, XXXX, to fix this goes unanswered.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to pull TransUnion report from XXXX. I got a message to XXXX TransUnion. I tried to pull a credit repot in transition personal portal, and the repot is generated blank ( no accounts, no name, nothing ). 
I called TransUnion on XX/XX/2024 the rep told me they can't do anything that I should email XXXX for them to fix the issue. 
on XX/XX/2024 I received this response : " Hello Thank you for contacting TransUnion. We received your request and would like to discuss your issue further. While we would like to assist in this matter, we are unable to process this request at this service center. Please contact us at XXXX and speak to one of our skilled agents who will be able to assist you. Or dont hesitate to chat with one of our skilled agents online via our website where you initiated your request with TransUnion ( www.transunion.com ). If you do not currently have an account with Transunion, you will be able to create an account. 

Thanks XXXX Issues Support Team Transunion.com '' XXXX is advising me to call the same number to speak to the same people that sent me to XXXX 's department. 
I'm getting a run around and still can't access my consumer credit repot. 
Thank you
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.