davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (SC)

On XX/XX/2023 an item was returned and credit of {$21.00} should have been applied to my account on XX/XX/2023 by the bank system. However, the bank would not release the funds and told me that it is not available and marked it as pending until XXXX XXXX contacted the bank and they said it could take up to 5 days. They also said that my account was compromised again. 
On XX/XX/XXXX I made a transaction in the amount of {$43.00}, {$3.00}, and deposit of {$45.00}, {$39.00} but the bank illegally applied the transactions for XX/XX/2023.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC. (KY)

i have been paying halistead financial for a debt owed to XXXX XXXX  they have reported no payments since XXXX when i have made payments in every month since XXXX. debt reflects incorrect amount and has not been updated to reflect my timely payments. the paid amount is XXXX and remaining is XXXX, the debt owed still reflects {$710.00}, after the first payment was made
Consumer complaint received 2023-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (TX)

Contacted Loan Depot on loan # XXXX. They have a bad report to my credit. after loan has been paid in full. They have not cooperated in helping me get that negative report of all my credit bureau. This is affecting my ability to get lower interest rates for the last 3 years. I need your help to get loan depot erase that negative report. I would like to file so they pay for all the interest rates I have had to pay due to their false reporting to my credit.
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (DE)

XXXXXXXX XXXX has stated again that the information on my account # XXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than XXXX times the price of the insurance that I pay for the property. I want XXXXXXXX XXXX to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in 2020, that the insurance was paid every year
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 
Inaccurate names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX, XXXX XXXXXXXX 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 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc. (FL)

I received a. Email from Avant Master Card that a credit card under my name was a privated and several transactions were made using the card. I've never received an Avant Master Card nor have I activated one. I reached to Avant today about 3 different times and they were not being helpful with the info the that I was requesting. Then the line was cut off. I tried to call back several times but I kept getting an answering machine that stated sorry for the inconvenience, we're having a technical difficulty at this time, please try your call later.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (AZ)

Letter was sent to my parents house on XX/XX/XXXX. I was just home for the holidays when I got the letter in regards to a past due XXXX bill. Contacted XXXX  directly, attempted to contact XXXX on XX/XX/2024 multiple times. Agent refused to identify themselves and hung up on me. On repeated attempts to call back, no answer
Consumer complaint received 2023-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I booked a trip on XX/XX/22 for the amount of {$4800.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they would refund your money as per their contract within 90 days. I requested a full refund. There letters and emails said my refund would come XX/XX/XXXX which it did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some 60 day rule without evaluating my dispute. Thank you in advance for your help.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (NV)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-11-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Checking my credit report, I found an account in collection, which does not belong to me, after contacting the customer service of the XXXX XXXX, I reported the pertinent data of the company that was trying to collect said debit, we contacted them, After informing them of my personal information, and letting them know that I am not responsible for it, a representative named XXXX XXXX, who did not want provide his agent number, informed us that the address was not the name, which confirms that it is an obvious error by the collection company, they transferred us to their supervisor name XXXX XXXX agent number XXXX, she explained to us that an investigation was going to be done to verify the authenticity of the account, to which I responded that if it had been checked, the information and the representative XXXX XXXX let me know that I did not have to pay it and that it would be closed in their system, that they were obliged to remove it under the fair credit reporting law by is acronym FCRA I never received a letter with the intention of collecting I hope this inaccurate report is removed from my credit files from XXXX, XXXX, and XXXX, since it is a clear violation of my right
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by Experian. I have an XXXX account which shows my Experian score being XXXX as of XX/XX/18. I've tried reaching out to Experian with no results.
Consumer complaint received 2024-04-10
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. (NV)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-15
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. (NJ)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-04-10
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I lived in the XXXX from XXXX to XXXX and while there I opened an account at XXXX XXXX. I kept some money on that account, in case I would return to the XXXX, however, after some time Citizens Bank acquired XXXX operations in the XXXX and I stopped being able to access my funds through any means, including internet banking. This was because I did not have an SSN on record, what was due to the fact that I am a foreign citizen. After contacting Citizens several times, they did not offer a means for me to access my account by online banking and did not allow me to move my funds through a wire transfer. The only option offered was to cash a check in XXXX, the country that I live in, which would in incur in heavy fees and taxes to be paid by me, without any compensation by the bank, which is refusing to allow me to access my own money. I asked for a formal description of what the bank is proposing, but the manager refused to provide it, as well as any transcript of our conversations.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent letters to TRANSUNION multiple times requesting the information on my consumer report be verified with original documentation to verify it the information on the report is correct. Transunion has yet to send me any documentation on this matter. I am a victim of identify theft and I have file a report with https : //www.identitytheft.gov XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX XXXX XXXX {$17000.00} - XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (GA)

I had an account summary to pay the hospital of XXXX dollars. When the number disappeared I did not receive anything from debt collectors through email or anything, one thing came in the mail but I live in another state for college. Due to this, the amount rose to XXXX dollars which does not make sense or explained. On the paper it says there was zero interest, and zero fees accumulated over this time, please fix the amount so I can pay a payment.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My identity was stolen I explained to Capital One that I was in and out of hospital and it took me awhile to realize that my XXXX had been hacked which took me longer to realize they got all the credit cards as well they also got my bank I'm by no means rich I have been dealing with this mess for 7 months now the stress and anxiety my body has gone through is not good for my heart I have been still in and out of hospital dealing with this and getting your money back is a joke not to mention you are treated as criminal Capital One strung me along and said if I emailed them medical records they would review these charges because they were past the dates of right offs but knew they were fraudulent charges just like the other ones they wrote off now they expect me to pay for fraudulent charges which I don't have extra money for by any means and they know they are fraudulent and should be taken care of and I don't think that this is fair I really can't afford this I need them to do the right thing
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXXXXXX  I spoke with an agent by the name of XXXX. The Agent refused to dispute an inaccurate address, that I told him is a non mailable address. Per the FCRA 15 USC 1681, this is not my address. I did not give XXXX nor XXXX written consent to place this address on my report. XXXX told me he could not remove it and that I needed to contact the creditor which is not by the law. Please delete this inaccurate information immediately. If XXXX continues to report this inaccurate information as this is a violation of the Privacy Act of 1974.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Sunset Management, Inc (GA)

I paid the loan out but they continue to call me and everyone I listed for a payment that was paid off. I contacted the home office, senselessly statements highlighting all of my payments and they continue to say that I didnt pay it and I paid it in person along with all of my documents from the bank. The company is Flight Finance or Sunset Finance because they go under both names and the two women that work there is very very rude and unprofessional. I placed them on XXXX and the started harassing me from their personal phones!!! I will tell everyone NOT TO DEAL WITH THIS COMPANY IF YOU DONT HAVE TO!!! I was in a bind and had to do it, but if I knew then what I know now, it wouldve NEVER happened!!
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LD Holdings Group, LLC (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

LOANDEPOT.COM LLC XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANDEPOT.COM LLC customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with LOANDEPOT.COM LLC, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am reaching out to inform you that my credit report includes an entry from your agency, specifically regarding accounts with no monthly historical data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is required to promptly remove these entries.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I have sent several letters explaining that I do not work for XXXX or XXXX XXXX. Please remove any employer on my credit report. Im currently unemployed and not working for anyone. Please remove ASAP per FCRA.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX : XXXX Balance Transfer charges were applied to my credit card. Each in the amount of {$450.00}. XXXX of these charges for a total of {$1800.00} still needs to be credited. 
I have called the credit card company 5 times between XX/XX/XXXX & XX/XX/XXXX and can't get this resolved.
Consumer complaint received 2023-12-29
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. (FL)

In XX/XX/2023, I sent correspondences to Experian, XXXX and XXXX about an unauthorized derrogatory account listed on my credit profile. A resolution has yet to be made.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and Transunion blocked XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.