davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to check the status of my disputes, fraud, etc., and I was barred from accessing any of these services from TranUnion. Every product I attempted to access, I get the following error message : We're unable to process your request at this time or Looks like we cant access your dispute information. As a consumer, I have the right to access my information in my credit file. This is a violation of my rights.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (LA)

According to the Fair Credit Reporting Act, consumer reporting agencies like XXXX and XXXX must treat consumers fairly and respect their privacy rights. As a consumer, I have the right to keep my private information from being shared without my consent. The Act also states that financial institutions have a duty to protect the privacy of their customers ' information. I have not given my consent to these agencies or the financial institution to share my information, so any consent they claim to have is now revoked. The Act also requires that consumers be informed of their right to keep their information private, but I was not informed of this right. Certain items of information are also prohibited from being included in a consumer report without authorization. In conclusion, I am asserting my rights as a consumer to protect my privacy and ensure that my information is not shared without my explicit consent. It is important for all parties involved to follow the regulations outlined in the Fair Credit Reporting Act. 

This account has been reported again without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide any inaccurate information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e states that every consumer reporting agency must have reasonable procedures in place to prevent violations of section 1681c and to limit the provision of consumer reports to the purposes listed under section 1681b. Unfortunately, XXXX and XXXX are not adhering to these reasonable procedures. Furthermore, as per 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am choosing to exercise this right and opt out of your reporting services.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account for a mobile check I was told to deposit by the agent. The check was from XXXX they canceled the check without letting me know and reissued it. So the check came back to Bank of America invalid. I had funds in the account of {$70.00}. I was told in XXXX I should receive it in XXXX days. It is now XX/XX/year>. I still have not received it. When I speak with someone they say they can not reissue until 120 days.
Consumer complaint received 2024-06-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

The XXXX gift card originally had a {$100.00} balance. Last year I used the card for a purchase of {$68.00}. Shortly after that I confirmed at XXXX that the balance on the card was {$31.00}. The card says that there is no inactivity fee and that funds do not expire. The card says it's valid through XX/XX/year>. Today I tried to use the card for a purchase of less than {$31.00}, and the seller said there was a problem with the card. I tried to check the balance at XXXX, and the site said there was no record of the card in its system. I called the number on the card ( XXXX ) and the customer service agent told me that she couldn't provide any information regarding the balance to me because the card hadn't been registered, but that isn't possible, because I was able to check the balance previously. Regardless, nowhere on the card does it say that the card must be registered in order to receive balance information. The card says, " For customer service account information : XXXX XXXXXXXX. ''
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

This complaint is in regards to LVNV Funding llc account XXXX XXXX opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MO)

I have notified this company and all three credit bureaus and XXXX XXXX that this collection is the result of fraud. Each time I have requested information that would validate the debt, I have recieved information that was previously stolen and the result of ID theft. I notified the company and provided documents supporting this. Today, XX/XX/XXXX I called to offer a " pay to remove '' reconciliation as this matter is costing me financial damages and is a violation of my civil rights and again the company stated they would not comply but would instead put " PAID IN FULL '' which is invalid as this is a disputed account and has been since XXXX.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AL)

An account users debit card was stolen. We immediately reported the issue to PNC and went to the XXXX XXXX XXXX in XXXX ALfor a replacement card. The young was very nice but in the process of replacing the card the wrong account was attached. I returned to the branch the following day requesting that the setup of the card be reviewed because transactions were posting on the both accounts. I pointed a hotel charge and advised which account it should post. The associate could not figure out why the item was showing on both accounts. She said she would have her manager give me a call. She went on the say that the issue with the card had been resolved. 
Despite her efforts, the card issue remained unresolved and daily expenses and travel expenses were being debited from the operating account not the secondary account. 
I then called the toll free customer service line to escalate the matter. I called them 3 or 4 times on several days and was told that they could see mo issue with the card. The card then worked for purchases but not at the ATM. Each time we were reassured that the card was only connected to the secondary account and not the operating account. We stopped seeing transactions on the operating account and so we thought what we were being told was accurate. 
We never received a call back from the local manager to discuss the charges that posted to the wrong account so we were reluctant to make deposits. We were monitoring the accounts for the appropriate adjustments to be made so that we could begin to use the account again. Not only did PNC Bank fail to make the adjustment, they determined that we were not worth banking and decided to initiate the close of our operating account. 
At the point that the closure was done, the card that was never to be connected with the operating account was closed too. They were dishonest stating that the card was no longer connected to the operating account when in fact it was. 
Its disturbing that a so called reputable institution was unable to replace a simple debit card and no one took the time to look at all facets of our requests and concerns. 
I spent a total of 6 hours on the road going to and from the closest branch ( 4 visits ) and at least 7 hours on multiple calls working with people who could not resolve the issue. 
We are incredibly dissatisfied that they failed to make the appropriate adjustment because of their bankers mistake or systems malfunction. That coupled with service providers that dont care of enough to return a call. 
It is concerning that they had time to review the account to determine closure but they didnt have time to review the account to address the situation they caused. 
I have requested that they review the decision. I was given to a voicemail and told they may not call back. Im certainly accustomed to them not calling back and not following through. 
We are not new clients. Were account owners before PNC merged with RBC. Of course none of that matters. 
PNC is not what it used to be.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of identity theft. Thieves attempted to open credit cards with XXXX XXXX and with XXXX XXXX XXXXXXXX. I put a credit alert on my credit files with XXXX. They say they also tell XXXX and XXXX and all three had it on my report. Today thieves opened credit cards with XXXX XXXX and with XXXX XXXX. The XXXX XXXX inquiry was on my transunion report. My complaint is that a credit alert appears to be worthless as credit cards can be open without contacting me despite the alert. I moved to freezing my credit report, but you should know that the credit alerts do not work. 

Thanks.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX Credit Card. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me.

I have not received the signed contract with my signature nor any invoices.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX Biased. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-01-24
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
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. (MI)

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-21
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc. (NJ)

On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I didn't see a specific category for Fraud claims so I picked Closing Account as I can't close the account until the fraud claim is resolved. Opened XXXX claim XXXX for multiple incidents from XXXX in XX/XX/year>. After some back and forth some of the funds were credited back. However, Citizens Bank denied some claims without explanation and the claims were identical to the ones they previously found valid and credited back to the account. When calling Citizens, the first line of customer service representatives are always different and I have to explain everything from the beginning each time. Many times the line would get cut off and I would have to dial back in and get back in the wait queue. Requested to speak with a XXXX and transfers were often dropped, resulting in having to restart. The average time spent to talk to Citizens is XXXX to XXXX hours after having to call back multiple times after being dropped. They never call back. I can never speak with someone who is directly working the claims. The fact that they seemed to have arbitrarily denied claims that were similar to ones previously approved is not acceptable. I've done my own research and it is obvious that this claim is valid and the companies involved are fraudulent. I read where Citizens was fined by the CFPB for not dealing properly with fraud claims. My experience with them has been nothing short of unprofessional and frustrating.