davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was trying to purchase house when I found out that there are damaging inquiries on my report according to 15 U.S.C 1681 law there should not be any damages on report
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (FL)

I never signed up for the Kikoff app, its $ 20 monthly but I dont know or have the account to pay, I asked numerous times to take off my credit cause I dont have information to the account and they still have it on my credit.
Consumer complaint received 2024-05-30
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. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/XXXX, I received a judgement letter form the XXXX XXXX XXXX ( see Exhibit A, XXXX ) alleging that I owe Portfolio Recovery Associate {$3600.00}. Portfolio Recovery Associates ( PRA ) assumes the debt from XXXX whom I had a credit card account with. 
On XXXX XXXX, XXXX, I enter into an agreement with XXXX XXXX ( see Exhibit B ) to assist with consolidating some of my outstanding credit cards debts. Under that agreement, they negotiated on my behalf with several of my creditors, including XXXX, to pay off or reduce some of that debt. In XXXX, XXXX, they negotiated and settled for {$2000.00} to close that account ( see Exhibit C ). I have communicated this information to PRA on several occasions thru XXXX XXXX so I am a little surprise to have received this judgement. This has been paid in full and acknowledged by XXXX XXXX and XXXX.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (IN)

Repeated disputes and spoken with a XXXX XXXX. I followed her instructions and did not recover any cashed insurance checks that this debt is for. I simply ask that either XXXX XXXX XXXX Southwest Recovery Services provide copies of cashed checks or remove account. XXXX XXXX XXXX XXXX has no records of issued/cashed checks. Furthermore this company is stating this is for service on XX/XX/XXXX but continues to resubmit to credit agencies new assigned collection dates to trick the system and process. The new date is XX/XX/XXXX, when this account appeared on my file prior to this date.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote my monthly payment check # XXXX for the sum of {$2400.00} to XXXX XXXX, my XXXX XXXX XXXX account, ending in XXXX ( my checking account is with XXXX XXXX XXXX  ) on XX/XX/2022. It was cleared by XXXX on XX/XX/2022. The check was deposited to Bank of America without an endorsement. XXXX XXXX uses XXXX XXXX Bank, and does not have an account at bank of America. XXXX XXXX XXXX  immediately notified Bank of America of the fraud. ( The US Post office confirmed that the blue mail box, into which the mailed payment had been inserted, had been looted- and since the box has been removed ). I have been told that B of A has 90 ( or 120 ) days to return the funds to XXXX. Nothing has happened and I still am unreimbursed. More than 120 days has passed without B of A returning to me the funds. My understanding is that a check can not be cleared without an endorsement, and of course, can not be deposited into an account not the same as the payee on the check. B of A is failing to comply. Either B of A or XXXX ( or both ) should reimburse me immediately for this fraud. Neither can clear a check without an endorsement. Copy of the check was supplied to XXXX and by it to B of A ( along with my fraud affidavit, and other documents ), and yet there has been no action by B of A. It has been more than 120 days. Please help.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NC)

I have an Ann Taylor XXXX account. Unbeknownst me, I was not aware I was delinquent on my account as I never received notification from Comenity Bank and or Ann Taylor XXXX by mail. Upon hearing a voicemail message from XXXX Bank in XXXX I returned the call to inquire on the amount and speak with a CSR. I paid the amount on the phone and advised the CSR I never received notification in the mail of the latency to my account. The CSR stated they do not send notifications by mail as I was on paperless invoicing. I advised the CSR I never signed up for paperless invoicing. Fourteen days later, I received an update from the credit bureaus showing the 30-day delinquency and my limit had been drastically reduced. Of my having this account since XXXX I have never been late. I spoke with a supervisor on XX/XX/XXXX to inform him I never signed up for paperless billing, I was never properly notified of said delinquency as sending emails does not support delivery, to reinstate my credit limit, and to remove the 30-day reporting from the credit bureaus. The supervisor stated they could not remove the reporting as I would need to contest it on my end with all three bureaus. Supervisor further stated he could request a credit increase but that would be pending approval. I told the supervisor that was unacceptable as the error was on their end and not mine. I informed the supervisor I would be filing a complaint with the CFPB to get my concern resolved.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX, I received an email from Juno informing me that international transfers would be stopped immediately, without any prior notice. Then, on Monday, XX/XX/XXXX, at XXXXXXXX XXXX, another email announced that the 5 % interest on savings accounts would be discontinued as of XX/XX/XXXX. Before I had the chance to move my funds, I received yet another email on Wednesday, XX/XX/XXXX, at XXXX XXXX stating that ACH and other banking services had been halted due to an issue with their banking provider, XXXXXXXX XXXX XXXX XXXX 

These banking services remain inactive, effectively blocking my access to the cash in my Juno account. I feel these actions have been deliberately taken to restrict my access to my funds. Despite the assurance that my funds are FDIC insured, I am unable to access my cash for any of my needs, forcing me to rely on my credit card. 

Furthermore, Juno is not paying the promised interest on the funds locked in my account. Who is responsible for covering the interest charges on my credit cards? I demand reparation in addition to immediate access to my cash. I hope my complaint is heard and that Juno XXXX, along with XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, are held accountable for their actions.
Consumer complaint received 2022-12-25
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. (NC)

n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Back in XX/XX/year> we had issues with fees being charged And also, they are reporting my XXXX and XXXX cards both as closed on my credit report Ive been dealing with XXXX from the XXXX office and she is extremely rude! They are charging me double the fees and they are charging my husband and I have half the credit line! My XXXX XXXX is better than his too XXXX told me that she thinks Im impersonating my husband because hes been sending in XXXX as well as me He works XXXX AM to sometimes until XXXX PM. And she doesnt answer her phone anyway! Ive called numerous times and left messages and she never calls back!! She keeps telling us to just call the number on the back of the card and that never works! They also want to increase the fees again For the second time in XXXX months!! Why should I pay all these fees if they wont report my accounts as accurate and it takes over XXXX months to try and get somebody to help?
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. (IL)

Please delete and remove these inquiries. My information may have been impacted by Equifax data breach and my identity has been compromised which has made my sensitive personal information vulnerable. I have no open account ( s ) with any of this company : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date- XXXX XXXX XXXX XXXX- Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX which is listed on my credit report. 

Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished don my report. This information is inaccurate and I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Consumer complaint received 2023-01-30
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. (NJ)

XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.
Consumer complaint received 2023-02-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Service Residential, Nevada, LLC (NV)

I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for 2.5 years since the day we moved in.
Consumer complaint received 2018-04-12
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. (NV)

The holder of the mortgage on my home, XXXX XXXX, has called and emailed me twelve times  in the last two weeks ( late XX/XX/XXXX through XX/XX/XXXX ). Various individuals identifying themselves as part of XXXX 's Retention Department indicated they were contacting me because the credit agency Equifax had alerted them that I have applied for a mortgage with another company. 

This is a violation of my right to privacy. I have never authorized XXXX XXXX to monitor my credit on an on-going basis, nor have I authorized Equifax to sell this information about me. My personal decisions about with whom I do business, whether I intend to refinance my mortgage, or seek a second mortgage or HELOC are personal private information that no third party has the right to sell or publish. 

If this is not a crime it absolutely should be!!
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.

THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.
Consumer complaint received 2023-02-14
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. (NJ)

To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? NO, I did not. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

On XX/XX/year>, I filed a complaint with this Institution about Key Bank. The complaint id is XXXX. 
I am filing a new complaint as i have yet to hear anything from Key Bank nor received my missing funds. I have made several attempts to call Key Bank to check the status of my issues with them. All i have gotten out of the calls are a bunch of hang ups, being switch from one department to another with the call ALWAYS being " dropped ''. 
As I have mentioned before, this issue with Key Bank has been going on for well over a year now and I feel that this issue is being taken for a game or a joke by Key Bank and yet my hardship, XXXX XXXX and stress is at an all time high. 
As i mentioned, I have previously reached out to this organization for help. You are supposed to be for the consumer according to your name. Or is it like most other organizations that are suppose to be for the consumer, customer or working man, that says they are for the people but in reality are for the corporation 's big and small and wonder why people are going through so much XXXX. 
Is there somewhere above you that i should be trying to get help from? Thus far I'm not seeing where help comes from for this institution. From the start Key bank was given 60 days to resolve the issue by this organization. Key Bank responded by saying they sent everything to yet another department and you closed the case. 
How is that helpful or beneficial to me in getting by money returned? 
What exactly is it that this company does? From my research it was understood that this institution protects consumers from banks and leaders when they are being taken advantage of or being mistreated in any way financially. It appears to me and my situation that that is not he case. Instead, it's an institution that always the average man to be mercilessly taken advantage of by the big banks. At what point does the Consumer Finacial Protection Bureau actually protect? Is it the financial protection for consumers as your name suggest, or just the opposite in protecting big banking? 
Every other banking avenue i have taken has led me to this organization as the institution that will handle things and gat things done. 
I am sure that if anyone at CFPB or Key Bank was going through what i have been for well over a year would feel and see things as i do. 
The money they owe me is major to me but yet only pennies to them. 
So again i come to where I have been directed in getting this matter handled and rectified and hopefully with great haste. 
Perhaps this is something i should take to an investigating news station. I'm sure this story would be something they would love to cover and uncover even more. I'm sure I am not the only person going through this with either entity.
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I made a purchase of a mattress and an adjustable base. 
Order XXXX Customer No. XXXX opened up a credit card and I was given special financing. 
However, after a year several holes developed on the mattress. I reported to the store and at XXXX they denied that it was an issue. I reported it to the XXXX XXXX XXXX and it took them XXXX months to settle case XXXX and they picked up the bad mattress and exchanged it for a new one in XXXX of XXXX. During this period I did not make any payments since the product purchased was defective. They have now charged my Synchrony Home Credit Card # XXXX XXXX XXXX XXXX a {$1000.00} of interest. 
This is insane. It was poor merchandise that I didn't pay my bill. Since the exchange, I have resumed making my monthly payment as agreed. 

I need to have the {$1000.00} reversed and the period that I was disputing the quality of the product re-instated to my interest free terms. 

THIS PURCHASE HAS BEEN A NIGHTMARE WITH THE STORE AND THE CREDIT CO. I called Synchrony customer service to explain the situation and they didn't want to assist nor listen to my explanation of the issue with poor product. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX IL XXXX