davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PNC Bank N.A. (MI)

I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Equifax, XXXX, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WI)

loancare LLC, which operates loancare.com, appears to be part of a recent ransomware attack, ( XXXX XXXX XXXXXXXX ) Has not released any information to clients regarding how we are to pay bills, what the status of the hack is, if any of our data has been compromised, etc. 

I have attempted to access the site multiple times on XX/XX/XXXX and XX/XX/XXXX. Other users are reporting a similar issue on several social media sites, and it appears to be affecting multiple servicers ( not just Loancare, but XXXX in its entirety ). By other user 's statements on these sites, their services have been down for over a week. 

Since the hack, I'm attempting to confirm if my transfer is valid or a phishing attempt, but am unable to access systems to confirm legitimacy of these documents I was sent.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. Experian, XXXX and, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian, XXXX and, XXXX ( Furnishers of information to credit agencies ) weather it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 15 U.S Code 1681s-2 ( a ) ( 1 ) a states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title ''. Experian, XXXX and, XXXX are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NJ)

I have attempted to reach out many times to ask for a payment plan they said if I could not meet a certain minimum I was not able to get help. Now they want to send me to collections after I attempted to get help to pay a smaller amount to get back on track.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I already had this removed in the past and this company apparently now has asked me to pay and it has dropped my credit score. I told them this was fraud and explained I never lived in texas and that this bill was never mine. Asking to submit a police report which I didn't do because I dont have the time right now. I explained that another company already tried this and got it removed last time. I told them to remove or I will report them which I am doing now. They never did the due diligence to see if this was a valid debit and never sent me a letter to pay this either as well, just popped up on my credit report. 

The last company who did it was XXXX XXXX XXXX and it was resolved.
Consumer complaint received 2024-03-22
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. (CA)

There are multiple utility companies brokering utility services in Texas, that accounts have been opened in my name, which is a very common name. I have never been to Texas, I do not own any properties, nor have I done any business in Texas. I have always resided in California. The companies involved, after directly contacting them and speaking at length about these accounts that are not mine, and refuse to investigate their own systems for the information provided upon opening of the utility service in order to connect to the true owner of the accounts. They wish to have me provide additional personal data to prove it isnt me. Being that this is obviously identity theft or an outright error, I have not provided my personal information to this unverified company. The debts owed have been sold to XXXX XXXX and XXXX XXXX XXXX, which also have failed to provide any information or actually proof of my ownership other than my name, which is a very common name.
Consumer complaint received 2023-11-24
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. (IA)

I am a victim of Identity Theft and I would like to seek your help to help me remove these erroneous information and unauthorized inquiires, accounts, inaccurate names and inaccurate addresses from being reported on my Credit Report. I have no idea of how this fraudulent activity happens and I have no one to suspect. I have not taken any kinds of services, goods, and/or money as a result of this fraudulent activity. I would be more willing to help you if you may need any information to help you remove these items. Thank you in advance : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.
Consumer complaint received 2023-11-24
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX - XX/XX/XXXX I got a credit limit {$160.00} and the account got closed with {$400.00} with late fees on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX got limit {$250.00} card was closed and affected my credit score because of the active card XXXX - XX/XX/XXXX credit limit was {$850.00} was closed with late fees and interest of {$1000.00} affecting my credit and sending me to collections Portfolio recovery associates reported unknown amount of {$1200.00} XX/XX/XXXX sending me to collections with debt buyer account status dont recognize this information Also another one for XX/XX/XXXX for {$420.00} and for XX/XX/XXXX for {$400.00}
Consumer complaint received 2023-11-24
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

i financed a toyota vehicle with toyota finacial services, they included a gap insurance, tire insurance and many other perks staying that that was part of the loan, when i went back to cancel this they told me they cant only by summiting in writing witch i did, but never received my refund back
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.
Consumer complaint received 2024-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

There is XXXX inquiry from this company XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And I also reached out to XXXX and they sent a request for them to remove these from my credit report and we are still waiting after a month done went by
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

I have called three times and e-mailed three times trying to close my Checking and Savings accounts with San Diego County Credit Union. They refuse to do so. I have attempted to close the accounts all 6 times I've contacted them yet my accounts remain open. I have included pictures of the numerous times I've tried to close accounts via contacting SDCCU. I circled them in blue. You can see this has been going on for multiple months. I am also more than willing to find phone records of when I have called in the past three months to attempt to close my accounts as well.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed our Business account. We are a XXXX XXXX business. Among other customers, we serve low income communities that can only pay with cash, therefor, 10 % of our income comes through cash. Chase has decided to close our business account for no reason and gave us no explanation. Our account manager thinks it is because of cash payments. This sudden closure is a huge hardship for our business AND our customers. I might have to stop taking cash payments to prevent our account from closing again when we open an account with another bank, which will impact our most vulnerable clients. 

Our books are very clean. We know where cash is coming from and what is being used for, but, even though we have tried so hard to keep everything in order, the bank goes ahead and closes our account with no explanation, causing great problems for our business and customers.
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I sent letters to XXXX, Experian and XXXX on XX/XX/23 stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.
Consumer complaint received 2023-11-24
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. (NC)

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

XXXX have not removed this fraud off of my fraud its been on for over 7 years, I've reached out multiple times demanding this charge off of 7 years be removed. XXXX XXXX keep changing dates so it can stay on my credit. The account is fraud I never received XXXX from this company. Plus help me get this account deleted off and stay off. LVNV Funding is also on XXXX as a collect. I've etched out to this company requesting a signed agreement, I've never heard of this company or agreed to any agreements this account is fraud. I've spoken to XXXX about this as well as LVNV Funding LLC they both are breaking the law with having this fraud on my repot. Please help,
Consumer complaint received 2024-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had purchased flight tickets on XXXX. They charged me for return tickets but issued only 1 way ticket. When I contacted the XXXX, they said they'll refund the balance. After waiting for a month and not receiving my refund I raised a claim with my credit card company. They closed the claim in 60 days without asking for information. When I enquired why the claim was closed, they offered to reopen the claim. After multiple attempts at contacting and resolving the claim the credit card company finally said they've closed the claim and timeframe to reopen the claim has passed.
Consumer complaint received 2023-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

In the past TIAA Bank allowed customers to provide instructions as to what to do with matured CDs prior to the maturity date of the CD. Customers could provide in advance, for example, that the funds from the maturing CD should be sent to the customer. TIAA Bank recently sent a letter to its customers stating : [ W ] e will undergo a system change that will require you to call us after your CD has matured and is within the 10-day grace period that follows your maturity date in order to provide CD maturity instructions. That means we will no longer be able to accept maturity instructions in advance of your CD 's grace period or honor any previously provided instructions that you may have selected for your CD in our online account self-service tool. 
*** In other words, TIAA Bank wants to make it harder for me and other TIAA Bank customers. It wants to ignore prior instructions and instead insist I and other customers make a particular decision in a specified time frame. This ignores real life issues and the prior ability to make decisions prior to maturity. To me, it just seems like the bank wants most customers to forfeit the opportunity to make a decision.
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (TX)

The collector is attempting to collect a debt from XXXX XXXX for a service received on XXXX. The collector claims that this alleged debt has not yet been paid. However, they are also stating that the service was provided on XXXX, which is an incorrect date. I have receipts and statements from the medical provider that support my claim that the debt was paid in full and on time.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Name ZIONS DEBT HOLDINGS LL Address XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX is stating I owe a security system bill contacted collections company was sent a copy of contract. This is not my account never lived at indicated address. Also the contact phone number and email address is not mine. Finally the name on the contract is not mine This is making a negative impact to my credit score. Please remove never used this service.
Consumer complaint received 2023-11-24
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX