davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (AZ)

PNC bank : Auto Loan No communication was sent, I received the auto title and confirmation the car was paid off. I checked my credit report and found a late payment for 30 day and 60 day a few months later. I quickly logged on to PNC and noticed the reversals on the last XXXX payments. I paid the loan off in full XX/XX/XXXX for XXXX dollars. I have asked via XXXX and directly through PNC, and the XXXX  for help. 
Solution : I am not looking for the interest back only that my account show paid in full and on time every month.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.
Consumer complaint received 2021-10-08
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. (TX)

I have been disputing this account for some time now with the credit bureaus. They were reporting that I have a charge-off and late payments on a XXXX XXXX account . I find it crazy that XXXX and XXXX has corrected this inaccurate account on my credit reports but Experian continues to report on this account and I can't understand why. How are they getting their information? If the other two credit bureaus both have removed this inaccurate account from my reports how is Experian still reporting on this account? I have reached out to them to make them aware of that situation that the other two credit bureaus have corrected this account that they are still reporting but they fail to acknowledge me and continue to ignore this problem. I am more than sure that what they are doing is illegal and I am sure there is a law that proves the credit bureaus can not report inaccurate information on someone's credit reports.
Consumer complaint received 2021-10-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On Thursday XX/XX/XXXX I received an email from Experian stating my credit score had changed. After checking for the change on XXXX website I noticed Experian or Fico dropped my score 53 points!!!! The reason they gave was " Increased usage on my XXXX XXXX account ''! The problem with this excuse for dropping my score 53 points is I haven't used my XXXX XXXX card since they increased my score to XXXX! My overall credit usage is 22 % and my XXXX  XXXX account only shows {$310.00} used on a {$500.00} ( The real amountowed is {$250.00} ). This is retaliation for the dispute already filed about their questionable practices!!!!
Consumer complaint received 2021-10-08
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. (TN)

I have several inquiries reflecting my TransUnion credit report ( XXXX Bank : Date:XX/XX/XXXX, XXXX XXXX XXXX : Date:XXXX, XXXX : XXXX, XXXX DBA XXXX : Date:XX/XX/XXXX, XXXX : DateXXXX, XX/XX/XXXX : Date:02/24/2021 and XX/XX/XXXX : Date:XXXX ) none of which I authorized or applied for. I contacted TransUnion via phone call XX/XX/2021 and I was told to send in certain documentation. Which I did, only to keep getting told it has not been received. Also during that phone call I informed them that I have previously been a victim of identity theft and credit was still trying to be use unauthorized. I filed a report with the FTC about these inquiries as I was advised by TransUnion but since then I had two more inquiries impact my credit report.
Consumer complaint received 2021-10-08
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. (PA)

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-09-18
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. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/21, I filed a complaint with the CFPB about a credit card dispute that Citi dropped the ball on. A few days later on XX/XX/21 around noon Pacific time, Citi called the merchant at the center of the dispute. On its face, it shows culpability as my underlying complaint was that Citi never even sent my dispute to the merchant. Citi never, ever contacted the merchant about my dispute. My complaint this time is about what Citi did next. 

When Citi called the merchant, XXXX XXXX, they spoke with XXXX. The guy from Citi didn't ask her anything about the dispute or my CFPB complaint. Instead, the guy from Citi violated my privacy by aggressively asking XXXX if I had completed by XXXX course at XXXX XXXX. XXXX answered in the affirmative before the Citi guy abruptly hung up. 

They had no right to do what they did. They had no reason to do what they did.
Consumer complaint received 2021-10-08
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 have been disputing a few accounts on my credit reports for some time now with XXXX, XXXX and Equifax. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and XXXX and Equifax has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and XXXX are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and Equifax removed and corrected this issue but XXXX and XXXX has not. Again, how are they able to report inaccurate information? If Equifax found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?
Consumer complaint received 2021-10-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing with transunion for the last few months about an alleged bankruptcy. Transunion have been in violation of many consumer laws. According to the FCRA Transunion have violated 15 USC 1681e ( b ), 15 USC 1681a ( 4 ) and 15 USC 1681s ( 2 ) ( 3 ). According to the FCRA all information on my report should be 100 % accurate. The credit reporting agencies need as respect my privacy, I didn't give written consent to anyone to report a bankruptcy. Lastly I have disputed the validation of the bankruptcy but the notice has not been placed in the comment section
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

I want equifax. I want my Equifax account to also show that this is been closed out and posted as current status with the credit are updated to XXXX  fax current status to update my XXXX account to XXXX balance is XXXX.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I was behind with my mortgage payments and applied for a modification. XXXX/PHH Mortgage XXXX offered a modification plan with a trial period. I never received the modification offer, but I made each of the 3 trial payments as scheduled. When I asked a acct specialist about the details of the modification, they responded by telling me I should have recieved it after I completed the trial payments, which I had not. The acct specialist also relayed to me that my other option was to get on a payment plan, which would require {$3000.00} down and an additional monthly payment of {$940.00} for 5mos, and my decision should be made by XX/XX/XXXX. I received the modification on Saturday XX/XX/XXXX. On Monday XX/XX/XXXX I called and spoke with agent ID XXXX  @ XXXX to inform the mortage company that I will not be accepting the modification because it would be adding over {$55000.00} to the end of my balloon payment at the end in XXXX. Instead, I decided to get on the repayment plan, and pay the down payment of {$3000.00} and the additional {$940.00} for 5mos. He was not able to set up the payment plan because they have the modification on my file. I called today XX/XX/XXXX and the acct specialist -agent ID XXXX  was still unable to set up the payment plan because the modification is still on the account, and said that underwritting has to remove the modification before the payment plan can be set up. I tried to make a {$4000.00} payment today ( XX/XX/XXXX ) via phone and online, and it will not allow me to make any type of payment. I am concern with my home being forclosed upon because of lack of assistance and delay in trying to set up this payment plan. It seems a bit supicious that I can't set up this payment plan which is one of the options available to me according to their acct specialist. I just want to enter into this payment plan and secure my home.
Consumer complaint received 2021-10-08
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: Professional Debt Mediation, Inc. (FL)

XXXX XXXX I mailed a certified dispute letter to PROFESSIONAL DEBT MEDIATION and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 100 complaints on XXXX they also have over 600 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-10-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (NY)

I called this company to returned voluntary the car XXXX XXXX XXXX  because I could not pay at the moment for health issues then to avoid problems with this company I decided return it. The key bank picked up the car in my residency XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. After that I called them and they informed me that the car was sold and the totally cost of the debt was totally cover. Then I received the last bill with the balance {$0.00} dollars. After all two months later I received another bill from another location of KeyBank in the state of New York that I have to pay the totally cost of the car. I called them and they told me I have to pay and I began pay about six months but they pushing me that I have to pay the totally cost of this debt. Then I asked for the real documentation that they told me that they have that I signed that I am responsible for this debt. I requested that send to me at my address. I never received nothing so they reported in my credit the debt but they didn't reported the payment that I made. I want an investigation of this because I have the proof that the balance of this debt is {$0.00} dollars. Now the balance is {$12000.00} dollars.
Consumer complaint received 2021-10-07
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: CREDIT ACCEPTANCE CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

I need clarification as to why is Convergent Outsourcing threatening to hurt my consumer credit report by reporting inaccurate information on my consumer credit report. 

Last activity showing on XX/XX/2021, Nothing is showing for XXXX and XXXX.
Consumer complaint received 2021-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (MD)

MY PERSONAL INFORMATION INCLUDING ADDRESS, FULL NAME, DATE OF BIRTH, SOCIAL SECURITY NUMBER AND DRIVER 'S LICENSE INFORMATION WAS USED TO FRAUDULENTLY OPEN ACCOUNTS, RESULTING IN SEVERELY DAMAGING MY CREDIT PROFILE. THIS HAS ALREADY BEEN A VERY STRESSFUL PROCESS. MY LIFE HAS EXPERIENCED MANY HARDSHIPS BECAUSE OF THIS. PLEASE CAREFULLY REVIEW AND REMOVE ALL INACCURACIES DUE TO IDENTITY THEFT. THANK YOU.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (TX)

On XX/XX/2021 I received an email from Chime congratulating me on my new account. I had never heard of them and did not set up an account with them. I also noted that my name was as misspelled. I immediately tried to call their customer service line to have the fraudulent account closed/deactivated. Chime 's automated phone system directs you to contact them via email at XXXX. I immediately sent an email. I never received a response and continue to received automated emails from them about my " new account '' and received a debit card in the mail on XX/XX/XXXX. To date I have sent Chime three emails and have repeatedly been unable to reach anyone on their customer service phone line. Given the lack of response from Chime this leads me to believe that they are a fraudulent operation and need help insuring any active account in my name is closed or deactivated and does not reflect on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting 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)

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account : XXXX XXXX XXXX ( ALL ACCOUNTS ) account number : XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies my Social Security card, drivers license, and a electric bill. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been banking with Suntrust for years. I had an overdraft alert set up in the Suntrust app. Suntrust app was shut down. It stated I have to login through Truist. My account was over drafted and accrued 9 overdraft fees totaling XXXX dollars. I finally realized today when I checked my account that it had been over drafted. I called the bank and she said they can only refund XXXX dollars. Im a XXXX so I dont get paid a lot. I told them I understand if they cant refund the full amount but please give back more of the money lost. She said sorry I cant do that. I called back later on and I was told they can not refund anymore of the money because of their system. She said it doesnt matter how many times I call. I asked if I could speak to her manager or someone else. She said it doesnt matter who you talk to its not going to change. I was not transferred and she started with is there anything else I can help you with other than you attempting to get a refund. Im furious
Consumer complaint received 2021-10-07
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: National Credit Adjusters, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-07
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 (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

We had fraud on our business checking account in XX/XX/2021. XXXX checks were cashed twice and Chase Bank reimbursed us for 4 of the 6 checks, after MONTHS of waiting. We are asking Chase Bank to take responsibility and reimburse us for the last 2 checks. The check numbers are # XXXX for {$410.00} and check # XXXX for {$470.00} totaling {$890.00}.