davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? You have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK (CA)

Freedom FinancialXXXX XXXX XXXX tried to make a principal payment- the system will not let me. They will not take the payment over the phone. This is a simple interest account so if I make principal payments they get less interest- they will not transfer to a supervisor. They tell me they can not accept the principal payment until I make the next month 's full payment. In addition, I asked for a complete accounting of where and how the money was distributed and they could not give me one. This is highway robbery. How can a company stop you from making a principal reduction payment?
Consumer complaint received 2022-12-06
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. (CA)

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My Citizens Bank checking account ( opened 2022 ) is completely gone. I can login to the app and website but don't see my account. When calling customer service, nobody can find my account. This is crazy, all of my money is essentially stolen. There was > {$1000.00} in the account.
Consumer complaint received 2022-11-29
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. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? You have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : us XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
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 information incorrect
Company: EQUIFAX, INC. (CA)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2018-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, Transunion, XXXX, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.
Consumer complaint received 2017-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC (PA)

A money transfer in the amount of {$1000.00} was processed on  XXXX  to my landlord who has a   XXXX   XXXX    XXXX  account this transfer was with a company called  XXXX . On  XXXX  the payment of {$1000.00} was taken out of my account. On  XXXX  another {$1000.00} payment was taken. None of which ever made it to my landlords account. On  XXXX  I was called at  XXXX  by  XXXX   . T o inform me that  XXXX   XXXX   XXXX  would be returning the money on Wednesday  XXXX . On  XXXX  I received an email from  XXXX  stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on  XXXX  and was told basically they had no idea what was going on. And today which is now  XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TN)

PNC Bank purchased my mortgage effective XX/XX/2023. Bank has not sent any statements, just mail and spam to pressure me into automated payments or on line banking. First call to customer service, they verified that they will send a monthly statement via mail as was the case with XXXXXXXX XXXX, from whom they bought the mortgage. 

Call today first disconnected, then no one picked up. 

As far as I can see this institution is not living up to the terms of the loan as it was set in the original contract. 

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX
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 lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.
Consumer complaint received 2024-03-05
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-11-22
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. (MD)

I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (MD)

I leased my first Volvo via Volvo Financial on XX/XX/XXXX. I have always paid my account with Volvo Financial online as I have been doing since the inception of the lease term. In seeking to update the history of my account with Volvo Financial I noticed I didn't have all monthly statements for my account including back to XX/XX/XXXX. I have since discovered that I can not get more than 3 last most recent leasing statements via the payment website ( https : //www.volvocarfinancialservices.com/ ). I called Volvo Financial today with the purpose of requesting the missing statements. I was told I can not get any statements other than the 3 prior consecutive months ( I can't get the XX/XX/XXXX statement today because the online system is down ). There is no way to request paper statements to be mailed. I was told by the CS rep that it is a Volvo Financial company policy not to provide any other statements and that I can't make a request for prior monthly statements because they don't exist. Every other company I do business with including different vehicle leasing companies and credit card companies allow me to access online up to 2 years or more of my monthly statements. Some allow me to request statements to be mailed that are older than 2 years, which I have done in the recent past. 

Furthermore, Volvo Financial should be required to DATE the monthly statements retrieved on line. None of the statements I have been able to download contain a statement date!!! The only way I have any idea when the monthly statement that I can view on Volvo Financial 's website is because of the date the available statement appears to be posted. There is no logical explanation for why a statement does not have a date reflecting when it was generated. 

These issues constitute a violation of my consumer rights and I want Volvo Financial to be required to provide the " missing '' monthly billing account statements. I don't believe they can not be provided ( I bet they could find them if there was litigation surrounding the debt at issue ) and because I have a right to be able get this documentation to verify for MY records.
Consumer complaint received 2023-05-24
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)

I am a natural, living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they have violated my rights.

I demand the following accounts be removed because according to USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America is still reporting a balance and outstanding account opened and this account was to be closed and reflect a XXXX balance do to fraud and them not properly handling and closing the account and remaining to let it continue they are in violation of the credit regulations and rules and still are reporting this on my credit files which it should not be I would like this fully handled at once I have reached out on this for over a year now
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (GA)

I had XXXX accounts with Continental Finance Company. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. 
This was during the pandemic. 

XXXXXXXX XXXX {$1200.00} XX/XX/2021 XXXXXXXX XXXX {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.
Consumer complaint received 2020-07-27
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: DISCOVER BANK (GA)

Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Made a payment to Capital One on behalf of Walmart Credit card on XX/XX/XXXX and they cleared the payment from my account and credit the payment. However they have it on hold for XXXX days. The supervisor states its no reason at all that it should be on hold and not sure why and refuse to release the hold so I could use my card. If I was I formed my payment would be placed on hold I would never had made a payment greater then what was due. When I asked how come she can not override she state cause of policy. I asked for the policy and of course she states she can not give it to me. I will fill a lawsuit for discrimination. I do not get help to buy food or anything which is what I use this card for and now I'm told the money will not be available till the XXXX when everything is closed... Great!!