davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$17000.00} and XXXX  XXXX XXXX Date Opened XXXX XXXX, 2019 Balance {$3600.00}.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (KY)

My checking was hacked and funds were fraudulently withdrawn from my account. PNC ( apparently ) denied my dispute. PNC closed my account with a negative balance, stating abuse, with zero notice. Now, my account is being reported to XXXX XXXX stating that I have an unpaid balance, even though it was paid later. The account was negative for 22 days before being closed and reported as charged off. Didnt even give me the courtesy of 30 days which then couldve resulted in being paid prior. I was never even given an option or chance to pay prior to the account being closed. I was never notified of anything other than a 20 day late notice, but I was under the impression the investigation was still being investigated. I spoke to the branch, and they confirmed that the letter was never sent.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX XXXX account report 4 missed payments in 2020 XXXX  XXXX XXXX  XXXX 1 missed payment all inaccurate XXXX XXXX XXXX  showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor. 
I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional. 
The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was. 
The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this. 
Ultimately, I would just like to receive a valid consideration that this debt inaccurate.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX  XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXXXXXX XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (FL)

I found out last week on XX/XX/14 that I was supposedly past due on an amount of {$170.00} I thought I called and fixed this issue but today at XXXX my mother called me to tell me they are currently harassing her. Please stop them.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

These companies. Credit Acceptance XXXX XXXX XXXX XXXX has put me in a financial bind.on XX/XX/2021 I entered a UNIFORMED agreement with XXXX XXXX XXXX XXXX Credit Acceptance. I have multiple complaints about the deceptive acts that was done to me, by these companies. My name was digitally signed without my consent & my co signer who at the time had an above XXXX score, was switched to the Buyer and made me co-signer ( at the time had a XXXX score ) hit us with a high APR of 22.9 %. This definitely an Unauthorized transaction and these wet signature documents copys shows how they fraudulently sign XXXX XXXX name. Also this date was on a Sunday and this company hours are XXXX, me and XXXX wasnt in this dealership office signing paperwork nor on a computer in this business.That finance charge is definitely illegal. this finance charge {$13000.00} ; if interest is 22.99 % then interest should be approximately {$4300.00} of {$18000.00} each month {$110.00} should from the monthly payment of {$530.00}.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I finished paying amount owed to the company XX/XX/2022. 
There was no reason for this balance to be sent to the collection agency. 

The letter from the collection agency says they know tax season just occurred so I can pay balance off with that It doesnt seem like appropriate comment to be made.
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.
Consumer complaint received 2020-06-16
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: JPMORGAN CHASE & CO. (CO)

I reported unauthorized charge in XX/XX/XXXX, someone used my card in XXXX XXXX , chase returned my money and 45 day later closed the case in my favor. New card was shipped, but never arrived, someone use it again in XXXX in XXXX charging XXXX , I reported another case. In XXXX statement appeared XXXX XXXX  charge and in XX/XX/XXXX $ .My current balance right now over 4000 $ with credit card limit XXXX . I did not use my card in XXXX XXXX  of XXXX country. 

p.s please see all credit card statements I attached, it is very confusing, Chase keep transferring money back and fourth, and could not explain me why did the do that
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

PayPal sent me a email XXXX saying my account was getting charged {$1200.00}. I called the number listed in the email XXXX and talked to XXXX XXXX employ # XXXX and he transferred me to XXXX XXXX 's at XXXX and he told me I had to get a debit card and take out money from XXXX  XXXX XXXX to protect my account. I bought XXXX XXXX XXXX gift cards at XXXX on XXXX XXXX XXXX in XXXX NY and sent a photo of the card to XXXX. 

The next day XXXX I released some thing was not right and talked to my bank and they told me this was fraud. 

I also heard from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

After reviewing a copy of my XXXX XXXX report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are XXXX damaging to my chance of owning a XXXX, getting a XXXX with a XXXX XXXX  or even XXXX XXXX. I was denied use of my XXXX recently that brought this to my attention. I have researched the XXXX process and I am aware that you must complete your investigation within a XXXX time frame. 

XXXX Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any XXXX other than XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate accounts XXXX. The XXXX are in XXXX on accounts. 
XXXX. The date of the XXXX XXXX are inaccurate. 
XXXX. The date XXXX are inaccurate. 
XXXX. The XXXX XXXX is incomplete on accounts. 
XXXX. The XXXX XXXX is incorrect. 
XXXX. The XXXX XXXX is incomplete and inaccurate. 

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 XXXXXXXX Also I do not or have not done any business or have an XXXX account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please take the time and consideration to remove the incorrect information from my XXXX report XXXX within our XXXX struggling the way that it is, I can not afford to have inaccurate information negatively affecting my XXXX XXXX. I will await an updated copy of my XXXX report to reflect these changes within XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a XXXX XXXX XXXX XXXX XXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-05
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, 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, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (FL)

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

A fraudulent debt was added as in collections by the company in question. Last year I was the victim of identity theft and all other fraudulent accounts have been removed by XXXX  and fraud alerts have been placed on my accounts. I was a victim of fraud/identity theft in XXXX as well as XXXX. My last date of dispute was : Company : LVNV FUNDING LLC 12 XXXX Submitted on : XX/XX/XXXX File number : XXXX Completed on : XX/XX/XXXX CONTACT INFORMATION LVNV FUNDING LLC XXXX, SC XXXX RESULT : Disputed information was verified as accurate
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WA)

If, in fact this credit card was mine years ago, debt would have been paid at least 13 years ago. They claim I owe over {$17000.00} from an address and card I may have had in XXXX. I have had no correspondence to this ever and I'm not even sure I had a citibank card back then. I have no records any longer and had all credit card and debts taken care of in XXXX.
Consumer complaint received 2023-07-20
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. (IL)

You are in Direct Violation of The Fair Credit Reporting XXXX/XXXX  balance of {$230.00} XXXX XXXX balance of {$1000.00} has violated several of my rights. 


15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX  Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Remove these late payments and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

I tried to make some transfers to my other savings account and they were denied by XXXX XXXX XXXX I call several times and they said they will make the transfer and its never done. I call 2 times about closing my account and nothing has been done. I call a third time today and same process, they said it will close and nothing. I need my money, my money is being withheld for no reason.