davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
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. (NY)

I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-04-15
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: Atlantic Recovery Solutions LLC (OH)

I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.
Consumer complaint received 2020-06-15
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. (TX)

XXXX  XXXX account shows on Equifax 90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have tried and contacted equifax on many occasion and have not yet received a copy of my credit report and still after 2 yrs cant get my free online credit report thru the XXXX XXXX XXXX  site
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 citi bank closed my citi advantage and Macys card that where in good standing. Theyre reasoning is for returned payments but theyve been pulling payments out the wrong account. 

And citi advantage is holding me responsible for a fraudulent {$8000.00} balance transfer as well
Consumer complaint received 2023-01-06
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have CONSTANTLY been in contact with the Furnisher for a year and still no response on this FRIVLOUS DEROGATORY MARK appearing on my reports I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I open an account with Discover Bank. During 911 I became unemployed and went into an agreement under the Obama debt forgiveness with Discover. I paid all payments on time. Discover is reporting as a negative on my credit because it was less than balance. However, I received a 1099 and had to report as income on my taxes. Therefore this account is paid in full.Discover needs to delete. At no point was their a disclosure that if I paid an agreed amount that there would be a negative reporting. Discover later also had a class action suit where I received a check for overcharges.They are in violation of false reporting. I have emailed them on numerous occasions and s. Discover needs to remove the derogatory information and reage my account to current.
Consumer complaint received 2023-01-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX Account Name-XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXXXXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX   ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX has violated my rights. 

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
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I provided a bank certified check for mobile deposit to my USAA account. At the time of the deposit the mobile transaction was accepted and did not state there was an image problem. Then 10 days later a image problem was noted to me by mail and the actual check was requested. I mailed the original check immediately after taking another photo of the check. I mailed it by the stated date required. 

The bank suddenly did no recieve the check by the stated date and his holding 10k of those funds causing subsequant problems with my bill pays, and checks they continue to send out checks through my bill pay with a negative balance. 

This is causing me excessive fees and will result in additional credit problems. 
this bank has also been sending my bills out late in the last month. 

I have contacted customer service where they have stated I have a 7-10 day waiting period to get these funds replaced. this is a national emergency. I am a XXXX XXXX XXXX  on the front line and the bank is taking advantage of me at this time. 
I plan on stopping all services with this bank although I have been a long time customer with few problems. 
they have failed to acknowledge my fathers XXXX war service even though he was buried with military honors I want these issues recectified
Consumer complaint received 2023-01-06
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. (VA)

In accordance with the fair credit reporting act they have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have contacted Ally Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as it relates to my car loan account not being reported to the credit bureaus. It has not been properly reported since XXXX XXXX. I have made signifigantly large payments on my loan which have not been reported. 



I would like to ensure that my car loan is reported with me owing the amount I currently owe which is XXXX.
Consumer complaint received 2018-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (WA)

At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-15
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello my name is XXXX XXXX all my identity was stolen from breach though the credit bureaus my information was tampered with my personal information, email really has been a difficult time when knowing your personal information was tamper with though a breach data.
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

Westlake balance not reporting incorrectly on my XXXX XXXX, XXXX, and XXXX  ; balance XXXX. XX/XX/2020 payment sent to Westlake.Also, monthly interest is not reporting right ; I would like to get these interest calculation fix. Also, need Westlake to remove the loan account from adverse with XXXX XXXX file. This account has not been 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy, discharge, foreclosure, repossession, tax lien wage garnishment, or write off. I spoke with XXXX XXXX, XXXX, and XXXX, the supervisor on XX/XX/2020, and the account is still reporting inaccurate information on XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (TN)

I rented a home from XXXX XXXX. After renting this home from a licensed real estate broker, I learned that the homeowner had not paid their association dues in years. My family and I were unable to use any of the amenities advertised with the rental of the home. We also started to receive bank notices from XXXX XXXX, that we did not open, in the homeowners name signaling that they were not paying the mortgage either. Several key appliances for the home broke and the homeowner would not fix them. In XXXX, XXXX XXXX dropped this homeowner for cause and left me stuck to try and negotiate with the homeowner that XXXX XXXX  's owner XXXX XXXX, had told me were impossible to deal with. 
At this time more appliances broke and the air conditioner leaked into the home causing black mold to appear. The homeowner once again would not fix appliance or the air conditioning unit or the mold. I sought legal council. He informed me I had no lease and should move which I did. 
5 months after vacating the home and returning the key I received a collection notice from Financial Accounts Services Team, INC that XXXX XXXX was trying to collect {$9300.00} from me. I immediately contacted XXXX XXXX and he told me " OK. You can just pay collections when you want it removed from your credit report. '' He also told me he had an eviction. If he has done this it is an illegal eviction in Tennessee. I have no idea if this is true as I was never served and did not live or have keys to the residence. This home has been in their possession for 6 months and has been listed for sale. I immediately faxed proof that XXXX XXXX had broken the lease, that I had moved and the debt was not a valid claim on XX/XX/2020. I stated not to contact me again. On XX/XX/2020 at XXXX XXXX EST, I was called on my cell phone by Financial Accounts Services Team, INC. The lady was rude and abusive. I told her I had sent the fax and she said they would continue to call and harass me.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A. (FL)

I am filing this complaint against PNC, the bank where I have been a customer for decades based on two reasons. The first deals with unethical business practices and the other relates to discriminatory customer service based on possibly my age as well as racial identity. On Wednesday XXXX, XX/XX/year> I made a payment to XXXX  for internet service that month. However, when I later checked my PNC account online I realized that XXXX  had submitted duplicate debits of {$110.00} for the XXXX bill. I immediately initiated a dispute message on-line to PNC explaining the duplicate billing of {$110.00} by XXXX  to both my credit card and checking account. My expectation was that once the dispute was started the bank would process my request by protecting my PNC credit card and not pay any money to XXXX. But I was absolutely wrong. When I checked with XXXX the next day, about the duplicate payment, the employee told me it was already on their system and my bank has to contact XXXX about it through the dispute process. In that same time period, I received a message from PNC about the payment dispute I had submitted. They informed me that more information was needed. My online response restated that the issue was duplicate billing and that the payment should not have been made to XXXX. The response was a similarly worded online message that just added insult to injury with a PNC employee sending me a copy of PNCs dispute policy procedures accompanied by a comment that I should ensure that I dont have future duplicate auto payments. I found the comment not only unintelligent but insulting as well, probably made due to my age and ethnicity. At that point I realized that PNC was not seeking to resolve the issue in my best interest, and I had to take care of the situation with XXXX  personally. Therefore, I contacted XXXX by telephone and explained that my bank had paid them duplicate charges. I added that my call was for XXXX to credit back my account with the duplicate {$110.00} paid by PNC since they were not helping me. The XXXX employee confirmed that the XXXX payments were received from PNC. She then took required information from me for processing the refund and informed me that I would receive it by XX/XX/year> back on my PNC credit card. Today XX/XX/year> the {$110.00} was credited back to my credit card. I am looking for another bank that would treat me with respect regardless of my age, ethnicity or financial status.
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I had a XXXX on XXXX. I was a medicaid and XXXX  patient. I submitted proper insurance work. XXXX, XXXX, and XXXX a collection agency has my funds help up, insisting I owe for this bill. I have sent them confirmation of payment through my insurance company and they have not released my funds. I receive. Social security XXXX, my grandson receives survivor benefits from social security.. I have sent them confirmation that I have an open case. They insist on looking at my bank records.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DPT EDXXXX, DEPT OF ED/XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I contacted Pen Fed to obtain a preapproval letter for a mortgage to be able to continue my home search as we begin to emerge from Covid 19 lockdown. I spoke at length with XXXX XXXX who assured me that she would be the loan officer who would work with me from that point on. I understand Pen Fed had an influx of mortgage applications as I was on hold for 3 hours the previous day. After speaking with XXXX on XX/XX/XXXX, I was assured that I would receive disclosures and the pre-approval letter in a few hours - no later than end of day. I know they ran my credit when I was on the phone with XXXX. I finally received disclosures a few days later but no pre-approval letter. I called at end of day XX/XX/XXXX. I left several voicemails for XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ), sent emails requesting call back/info on XX/XX/XXXX and XXXX. I never received anything from them via email or phone. The last step I took was to contact the mortgage department on XXXX requesting a supervisor/manager to call me back. I never heard from the " escalation '' team. 

I have a few complaints that need to be addressed : 1 ) I was provided false information by XXXX as it pertains to : the loan rate ( she told me that the VA rate would be 2.75 % ) ; {$0.00} down payment required even though I was asking for information on mortgages greater than {$800000.00} ( according to XXXX XXXX and XXXX - the VA loan still requires a deposit on the loan amount that is above the county limits set by the VA ) ; 2 ) No one from Pen Fed has returned my calls or emails since they took all my personal information to begin the mortgage process on XX/XX/XXXX at XXXX despite several attempts from me to reach anyone at Pen Fed .
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX