davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (TX)

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation.

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Consumer complaint received 2022-11-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (PA)

In XX/XX/2023, I used a PNC credit card convenience check that had a promo rate of 0 % interest until XX/XX/XXXX, XXXX amount was {$980.00} and fee was 4 %. 

I used the card for other monthly purchases. 

To avoid interest charges, I made payments such that all of the monthly purchases were paid off and a portion of the convenience check was paid. 

The payment I made significantly exceeded the minimum payment and covered all of the monthly purchases. 

PNC used the payment to firstly pay the convenience check amount and secondly the monthly purchases which resulted in me being charged interest on the purchases. 

I called and spoke with a customer representative who seemed to understand but told me he would have a manager call me. 

When I spoke with the manager, she explained that the payment was applied first to the lowest interest rate and refused to see my perspective or address my concerns. 

The convenience check states that any amounts you pay in excess of your minimum payment due will be allocated to balances with higher APRs before balances with lower APRs. 

I want the convenience check fee to be returned because I was prevented from using the promo rate and period. I want the interest charges to be refunded because the payments were not allocated as described on the terms of the convenience check. 

I think that the customer service staff and managers needs training and the right tools to resolve issues according to their own stated policies. 

If PNC is going to apply other rules than the ones stated on the convenience check, their explanations need to make this very clear.
Consumer complaint received 2021-12-23
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: OneMain Finance Corporation (TX)

Onemain ran my credit after telling me I was approved and when I get to the office I am denied. They did this several times on my report. I have already acquired a lian with them in XXXX of this year. Now I have 5 hard inquiries on my report from them. Miss use of consumer information.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On my credit report, there are four names that are not mine and are linked to different Bank of America 's credit cards. Bank of America added a lot of personal information that is not related to me under my credit report like addresses, names, etc. I tried to contact with XXXX, but they are not able to delete those information as it is linked to credit card accounts. I called Bank of America and it is not useful. I need help to correct those.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (CA)

I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (CA)

The incorrect accounts was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was on XX/XX/2022, but still accounts are presented in my report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following hard inquiries listed on my credit report. I have reviewed my credit report and have found these inquiries to be inaccurate and unauthorized. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report as soon as possible. 
Below is a list of the disputed inquiries : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2023 I did not provide authorization for the company listed above to access my credit report, nor do I have any recollection of initiating any transaction or applying for credit with them. Therefore, I am concerned about the accuracy and validity of this inquiry. 
Please conduct a thorough investigation into this matter, including verification of the legitimacy of the inquiry with the respective creditor. Under the FCRA, I understand that you are required to complete this investigation within a reasonable timeframe. 
In accordance with my rights under the FCRA, I request that you provide me with verifiable proof of your findings and actions taken. If the disputed inquiry can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

See details, rates, and fees for XXXX XXXX offer options for XXXX XXXX Karma Guarantee : You'll be approved or CK will pay you {$50.00}. 

XXXX  XXXX XXXX Reviews Regular purchase APR:24.24 % - 35.24 % * Variable Annual fee : {$0.00} intro with auto pay, then {$39.00} after first year
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

I have contested over 4 times a debt accrued last XXXX of XXXX under XXXX XXXXXXXX, with XXXX XXXX XXXX trying to set collections out for the amount. I never took out the amount, and have told them that my mother has used my information to take out credit under my name in the past and to look into her being the perpetrator. As of XX/XX/XXXX, my XXXX XXXX XXXX and have yet to receive a death certificate from the coroner for it to be able to send to anyone of her untimely passing. I have told them this is the best lead to whoever took this credit out in my name at that time, and have been stonewalled, no more communication from them, just a mark on my credit for the amount in collections.
Consumer complaint received 2022-11-03
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. (TX)

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-01
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. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
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: BARCLAYS BANK DELAWARE (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 NY XXXX, XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$31000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Was called today by Radius Global about a bill dating back in XX/XX/2018 from XXXX. The caller claimed I owed over {$600.00} on this bill. I asked information about the debt and they only provided me with a XXXX that I have never seen nor do business with. I started questioning about the bill such as original creditor, acct number and total amount owed ( any interest or payments made since last billing statement ), asked about age of debt and date the original creditor claims the debt became delinquent. Caller could not provide information to this. Also asked for the authority to collect the debt in my state and if they are licensed to collect and as well as the license information. Again the caller could not provide this information nor get a " supervisor '' on the phone to be able to provide this information. They are in clear violation of the Fair Debt Collection Practices Act.