davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PA)

In XXXX of 2019 on I spent one night at a XXXX XXXX hotel near XXXX while attending a family event. I had reserved the hotel room using a PNC credit card. The quoted rate was XXXX $ per night. Normally I use my credit card only for reservations and use a debit card during check out. The hotel however charged the PNC credit card and for which I was unaware. 

More than 9 months later I received a call from PNC informing me that I owed over XXXX $ on the credit card. I told the PNC representative that I have not used the card and do not normally charge anything to credit. That there was a mistake. She informed me that the records showed a charge in XXXX of 2019 for roughly XXXX $ and a second charge of XXXX $ from XXXX XXXX hotel. The remaining charges were late fees and interest. I informed her it was a mistake and the second XXXX $ charge was definitely wrong since I spent only one night at the hotel. She told me I would need to have that erroneous charge of {$250.00} resolved with the hotel. I had never received a statement or credit card bill from PNC, her phone call was the first time I became aware of the charges. 

I asked where the bill was sent and she told me an email address. It was an incorrect email address. I asked why they hadn't called. She said they had called and when I asked what number she gave me an old landline number that has not been in service for over 18 months. 

She told me I would need to pay the original charges of the XXXX $ and erroneous XXXX $ to clear my credit and that the accumulated late fees and interest would be waved. I would need to recover the erroneous XXXX $ from the hotel. I agreed and paid the original balance of over XXXX XXXX I also asked the card be cancelled so that no further charges could be made on the card. Since then I have been receiving calls from PNC credit informing me that I now owe over XXXX $ and is accumulated late fees and interest. Each time I repeat my story and then told it is noted in the record and that a supervising is looking into it, yet the continue to add charges and continue to call. 

I had been a customer of PNC for over 30 years. I never use the credit card and is reflected in their history. 

In summary, 1. My card was erroneously charged with {$250.00}. 
2. I was unaware of the charges and PNC was sending the statements to the wrong address and calling a phone number that I no longer had. 
3. PNC continued to charge late fees and interest on a card I cancelled and on a balance I had paid, despite the charge being erroneous. 
4. I have been told by several representatives that the issue is being handled by a supervisor, but continue to receive phone calls and told that fees are still being charged to the credit card account. 
5. PNC is attempting to collect over {$600.00} of additional fees and interest on an original charge of XXXX $ which had been subsequently paid along with an erroneous charge of {$250.00} that had also been paid.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

Im filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either XXXX  can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status And XXXX XXXX has stole and used my identity with out my consent and has committed fraud against me.
Consumer complaint received 2023-05-25
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-02-26
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
Synchrony bank is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This synchrony Bank credit card is a medical credit card which I used for a dentist. By synchrony bank, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Consumer complaint received 2024-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

three different collection notices on my credit report from consumer adjustment company. this is a debt collector that calls about a previous XXXX XXXX  membership that I had signed up for and stop paying for due to XXXX and other related issues not once did I enter my Social Security number when I signed up for my membership yeah, I have three different dings on my credit report from this company. they call they are extremely rude and threaten to get an attorney and sue me. 
XX/XX/XXXX collection, amount {$130.00} XX/XX/XXXX collection amount {$310.00} XX/XX/XXXX collection amount {$300.00} in the agreement that I signed when I signed up for this membership not once did I agree to be stuck in a 12 month membership to where if I were to cancel, it would be put on my credit. XXXX XXXX did not loan me anything therefore when I was offered to put my account on hold, and I said yes, it obviously was not put on hold because when I spoke to the company, they told me that was never there or never documented. These things need to be removed off my credit report because they are falsified information.
Consumer complaint received 2023-02-09
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. (NY)

Both TransUnion and XXXX have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXXXXXX XXXX 

But that is all incorrect! As XXXXXXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXXXXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXXXXXX XXXX  's mistake to report that incorrect information to TransUnion and XXXX, and there was never a delinquent nor overdue. 

XXXXXXXX XXXX has fixed the mistake, but TransUnion and XXXX continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So TransUnion and XXXX should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Aspire credit card has increased my " account maintenance fee '' to {$10.00} per month without informing me. They said they emailed me updated terms. I have not received any updated terms via email or mail. Unacceptable.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-26
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I am sure you are well aware of the legal actions taken against Santander Consumer USA in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against Santander from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with Santander Consumer USA Loan ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed ( along with any collection accounts associated with this tradeline ) because of this judgement.

This account Santander Consumer USA Loan ( XXXX ) needs to be deleted from my credit report on all 3 major credit bureaus ( XXXX XXXX XXXX XXXX and XXXX ) immediately. This inaccurate information is a detriment to my credit and due to the lawsuit against Santander consumer USA, it needs to be removed immediately. I will be getting my attorney involved if this is not resolved within the next 14 days. 

Thank you.
Consumer complaint received 2024-02-26
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-27
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: Prosper Marketplace, Inc. (CA)

Subject : Complaint Regarding Failure to Respond to Identity Theft Complaint Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Prosper regarding their failure to respond to my identity theft complaint. 

On XX/XX/XXXX, I submitted a complaint to Prosper, providing them with detailed information regarding the identity theft incident that occurred on XX/XX/XXXX. I followed the appropriate channels to report the incident, expecting a prompt and thorough response from Prosper to address the issue and assist in its resolution. 

However, it has been 2 weeks since I submitted my complaint, and I have not received any response or acknowledgement from Prosper. This lack of communication is deeply concerning and leaves me feeling helpless and disregarded as a victim of identity theft. 

I would like to bring the following details to your attention regarding my attempts to contact Prosper and their subsequent failure to respond : Date of identity theft complaint : XX/XX/XXXX Method of complaint submission : [ Email and Postal Mail ] Details of identity theft incident : [ I believe someone from my household is using my information ] I believe that Prosper 's failure to respond to my identity theft complaint not only violates their responsibility to address consumer complaints promptly but also demonstrates a lack of regard for the serious nature of identity theft and its impact on individuals ' lives. The lack of response has left me feeling helpless and uncertain about the steps I need to take to mitigate the damage caused by the identity theft incident. 

As a concerned consumer seeking justice and resolution, I kindly request your intervention in this matter. I urge the Consumer Financial Protection Bureau to investigate Prosper 's failure to respond to my identity theft complaint promptly and take appropriate action to ensure that they fulfill their obligation to address and resolve consumer complaints related to identity theft. 

Enclosed with this letter, you will find copies of all relevant documentation, including my original identity theft complaint, any supporting evidence, and subsequent attempts to contact Prosper for a response. I am also prepared to provide any additional information or documentation necessary to assist in the resolution process. 

I sincerely appreciate your attention to this matter and your dedication to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and hold Prosper accountable for their failure to respond to my identity theft complaint. 

Thank you for your assistance in resolving this matter. Should you require any further information or need to reach me, please do not hesitate to contact me at the provided email address or phone number. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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