davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have contacted the XXXX credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards
Consumer complaint received 2022-12-05
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. (FL)

I received a copy of my credit report from Experian and I am listed as authorized user on a XXXX credit card. I do not have a XXXX credit card and I did not agree to be an authorized user on anyones card. I called XXXX and was told they have no information that I have a card issued by them nor my name as an authorized user on any of their credit cards. I put in a dispute to Experian and did not receive any information so I thought it was corrected. Today on XX/XX/2022 I check my credit report and it says according to my dispute in XXXX of this year my dispute was denied and the information will remain on my credit report. This balance on this account according to Experian has increased from approximately {$2000.00} in XXXX to {$6600.00} now in XXXX. This account is not mine and no details were given why they say it is mine. My credit score is XXXX. I have been diligent to pay down all my bills. This credit card is going up. This does not coincide with my use of credit. Please help resolve this matter.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX, I made a purchase with XXXX for a transaction of XXXX and I got charged for two amounts- one with XXXX and the other for XXXX. I didn't recognize the XXXX dollars so I reached out the credit card company, Capital One, to report this, and they categorized this as a fraud. However, a document generated on XX/XX/22 states that I or someone else benefited from the charge, so the charge was put back on the account for my responsibility.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

I have an account with RobinHood trading. I got an email saying I broke a rule and they asked for a selfie and bank statements. XXXX days later I sent selfie but was waiting for statements and I got an email saying my acct was suspended permanently. I have XXXX positions open in the acct and I asked on email how I can transfer them out. I received an email back saying the decision was final and did not address my question. I have sent XXXX more emails and tried to request a support call 5 times and the cut me off from support. I have not received a subsequent email. They are rude and unprofessional. I want to transfer my securities out of there before they liquidate them without my permission. IN CAP LETTERS I told them in XXXX emails to not liquidate without my permission but I do not trust them. They have cut off communcation and have XXXX of my money. 

*I just read on XXXX XXXX XXXX  that someone else had this done to them. 

Please help XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.
Consumer complaint received 2024-04-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Round Up Ventures, L.P. (OH)

I Checked my credit report regards to this situation and a charge has popped up regarding to me owing them XXXX dollars as of XX/XX/2024. I called the number and they said they have no record of me at all of me and my name associated. and then told me they have been sent from a 3rd party with a email that is not mine or bank.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX. Price that we did not agree to Price that we did not agree to XXXX message XXXX XXXX XXXX Tue, XXXX XXXX, XXXX at XXXXXXXX XXXX To : XXXX - XXXX XXXX Hello XXXX, im still waiting in a resolution regarding my claim. I haven't heard anything back regarding our recent conversations regarding the irregular prices for the jewelry. We're you able to rectify the matter with the store in XXXX? 
[ Quoted text hidden ] From XXXX XXXX XXXX message XXXX - XXXX XXXX Tue, XXXX XXXX, XXXX  at XXXX XXXX To : XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Hi XXXX, Upper management is reviewing your open claim with us. I will update you as soon as possible. 
Best, XXXX [ Quoted text hidden ] XXXX. 

Email sent from XXXX XXXXXXXX XXXX XXXX to me : XXXX customer service XXXX message XXXX - XXXX XXXX Wed, XXXX XXXX, XXXX  at XXXX XXXX  To : XXXX XXXX XXXX Since you did not agree on these prices we want to help conclude to resolution by giving you partial refund. How much would you like as refund? I will bring that price to upper management and see what we can do. 
Best, XXXX [ Quoted text hidden ]
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I work for the State of Ohio. I get paid on Wednesday for the pass year and a half. But lately Chime been holding peoples money. Today is XXXX XXXX I was supposed to got paid yesterday. But did not! Other people with different banks received their money but not us chime users. I just want my deposit. Chime and all their partner XXXX need to be held accountable. They say nothing wrong with the deposits but on social media people are complaining about not getting their money.
Consumer complaint received 2022-11-22
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. (GA)

I was a victim of identity theft around XXXX of XXXX  I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my name is XXXX XXXX and I am having an issue with Bank of America regarding my remaining funds and my cashiers check. I recently closed down my Bank of America prepaid account for the remaining balance of {$43000.00}. A check was mailed out to me for that amount while the check was on the way I kept calling Bank of America. They stated it would take XXXX XXXX XXXX XXXXiness days for the check to arrive. I called on the XXXX XXXX XXXX business day every day I was told to wait until the XXXX the XXXX business day came I called to re-order the check and place a stop payment on the check and they stated that the check has been stolen and cashed under a whole different name, which was XXXX XXXX. I quickly asked for the account number and the bank it was deposited into which was XXXX XXXX. I called XXXX XXXX  and informed them of the theft of the check and when I did so XXXX XXXX  placed a freeze on the account and stated that they will not lift the freeze and they will not reverse the funds back to Bank of America unless Bank of America itself contact them to retrieve the funds back. Ever since then I filed a police report I filled out a fraud packet and sent it to Bank of America through fax, ever since then I have not heard anything from them. They have not reversed the check back. They have not assisted me or gave me any updates. Please help me I need a new check re-issued. Thanks. 
( Deposited into XXXX XXXX  Account # XXXX under XXXX XXXX )
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft on my credit report its showing a capital one credit card was open XX/XX/2018 but I did not open it now its in debt of XXXX $ I filed and sent over a police report as well as FTC report and its still on my report
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I believe this late payment entry is inaccurate and unfairly impacting my credit history. I respectfully request that you investigate this matter and provide a written explanation of your findings. I have consistently made timely payments on my account, and I take my financial obligations seriously. Any deviation from this pattern is likely due to extenuating circumstances or errors beyond my control.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (PA)

XXXX years ago, I had an issue with a Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) Paid in full, not allowed in. 

Next year received certified mail " NOTICE OF INTENT TO FORECLOSE LIEN '' even though paid. I filed a XXXX complaint. Nothing happened.Then XXXX years later again still not allowed in, so I had attorney XXXX XXXX from XXXX send them a letter, a payment for the amount XXXX asked for, and to contact him if there is a problem. Fortunately I still have a copy of that letter. There was a big problem. Paid in full by attorney, still not let in. 

XXXX years later, no contact to XXXX XXXX or myself, they send a huge bill through a collection agency, Pinnacle Recovery Inc, XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX I stopped in to see XXXX XXXX to discover he passed away last XXXX, but spoke to his partner, Atty XXXX XXXX, who provided me with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limitation. 

I sent reply by mail and email to Pinnacle with that document attached, and no reply for a few weeks. 

XX/XX/XXXX, they sent email telling me that XXXX will accept {$15000.00} to them, a reduced amount, to terminate all rights and interests in original contract. by XX/XX/XXXX. I again contacted XXXX XXXX, but she sent the following response : XXXX : You are correct that there is a XXXX year statute of limitations to sue you for money damages, but it looks like they've been adding these on continually to date. My advice is to reach out to a service that helps you in cancelling a timeshare so that they can deal with this for you once and for all. 

This is not an area of law I have any knowledge of, and am not able to assist you in this matter. 

XXXX XXXX, XXXX In talking to XXXX XXXX XXXX XXXX Washington DC, was given referrals to XXXX XXXX XXXX XXXX, understanding that Statute XXXX applies, that perhaps billing for quit claim is valid. My main problem is do not have an attorney yet for XX/XX/year> deadline Pinnacle asks for. Thank you. - XXXX XXXX
Consumer complaint received 2023-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NE)

From XXXX to XXXX my Co-borrower and I repeatedly made inquiries regarding payment arrangement options as well as requests to have two of my private student loans that I was unable to afford the payments on declared in default. Of the 5 student loans AES services, two have already been defaulted, one is in repayment, and the remaining two are showing as delinquent. The last payment made on either remaining " delinquent '' loan is from XXXX of XXXX. Prior to that, and since that time, no payments had been made in excess of 6 months. Delinquency exceeding 6 months meets the terms of default under the original loan agreements, however neither loan has been deemed " defaulted '' by AES. As a result of this, neither has been turned over for collections or to another agency for repayment. I have repeatedly requested these two loans be marked as defaulted so that I may make settlement or other payment arrangements on them with servicers who will accept less than the full monthly or past due amounts. AES has repeatedly not done so and has provided inaccurate information regarding the status of these loans.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (SC)

I wrote Sallie Mae to let them know that they were sharing my nonpublic personal information with an unaffiliated XXXX party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

There is an alleged student loans and other accounts for which I do not recognize, I have tried several times to reach out to the credit bureaus for valid verification of those accounts and they have not given me adequate information on how those accounts were linked to my profile. Pursuant FCRA 623 I am requesting a removal of the accounts.
Consumer complaint received 2023-06-14
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-04-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NY)

Im in the XXXX have been for XXXX years now this company XXXX XXXX XXXX ) is stating i owe them {$1300.00} which isnt true because THE XXXX PAYS MY RENT EVERY SINGLE MONTH i wouldnt be able to move out if that wasnt paid and my monthly payment was {$1100.00} so where are they getting {$1300.00} from?? I have paperwork stating im cleared to move out and i dont owe them anything XXXX XXXX doesnt allow me to upload supporting documentation to prove my dispute to be correct this collection is from 2019 and i need this off my credit immediately!!!
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

On XX/XX/2022, I was told by a representative from XXXX to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.
Consumer complaint received 2024-04-17
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: BMW Financial Services NA, LLC (CA)

What is Section 623 of the FCRA?

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Data management errors such as information that appears again as incorrect when it was previously corrected. 

The above reasons state the crippling error that all credit companies have displayed and not rectified except for XXXX who realizes that it is a data error and with that the other two remain in violation of the FCRA and should be put notice. BMW made a grave error and seems to not be willing to rectify it..
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account XXXX : XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One was notified of the effect that this negative information is affecting my credit report with inaccurate information. They confirmed that all open Capital One accounts were verified. I have proof to prove the opposite. The account balances reported are not consistent across all 3 credit bureaus. The closed accounts are fraudulently reporting late payment statuses. I am not requesting that these accounts be updated. I am demanding that they're deleted. Please remove all this XXXXXXXX XXXX immediately. Charge off accounts are a violation. Violation of privacy. No permissible purpose has been authorized. No consent is equal to fraud.
Consumer complaint received 2022-10-22
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. (PA)

An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX XXXX XXXXXXXX XXXX  and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but XXXX and experian allowed it to stay on my report which is illegal.