davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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)

" I was sold a LEMON. '' XXXX XXXX XXXX placed inaccurate information on my Credit Report. 
The vehicle was not Voluntary Surrendered. 
The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of my Credit Report.
Consumer complaint received 2021-09-05
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. (NJ)

As a consumer of the United States, I sent Trans Union a formal complaint in on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Their response was After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. TransUnion had the appropriate amount of time by law to verify these items ( via my handwritten signature ). They have yet to provide me with sustainable proof that these items belong to me. By law these items need to be removed from my report if the data furnisher did not submit proof. Trans Union is not abiding by the law and has the nerve to tell me that they need another 30 days. Delete these fraudulent negative items of my report.
Consumer complaint received 2022-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America deliberately lowered my XXXX score because of their errors. I always pay on time. Someone from their department said because I am contesting the fraud and won't do it myself it going to hurt me which it did. They not only ignored my requests to fi the fraud, but they messed up my good credit. I even paid extra in advance so that I would have a negative balance! Certain individuals are corrupt in this company as they have done nothing all along and only made a bad situation worse. They are not responding to anything and just making more problems.
Consumer complaint received 2021-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021, I disputed an unverifiable account with TransUnion that theyre reporting on my behalf. I even enclosed a letter coming from the original creditor stating that I was no longer in their system and they could not provide me with the information I was inquiring about. Fast forward to today, I have yet to hear back from TransUnion. They never responded to my dispute and continue to report this unverified account.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MO)

I made an online order from XXXX XXXX for XXXX on XX/XX/XXXX and paid thru PayPal. Funds were debited from my checking acct on XX/XX/XXXX. On XX/XX/2019 XXXX was again debited from my account by XXXX XXXX. I had not placed another order nor authorized XXXX access to my bank account. I called XXXX and they claimed they had a communication issue with PayPal and suggested I call them. I called PayPal and they claimed they hadn't shared my info and suggested I call XXXX. When I told the rep I'd already done so and they were blaming communication error with PayPal he just told me he'd look into it. I explained I was very upset because it was obvious XXXX got my banking info and the sole purpose of using PayPal was to ensure security. He then suggested I call my bank, which I'd already done. Neither PayPal or XXXX would take any responsibility for double charging me. I had to freeze my debit/credit card and file a dispute thru my bank. I feel PayPal is fraudulent in promising security and XXXX  is fraudulent in charging for an order theyd already been paid for.
Consumer complaint received 2022-06-02
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: CAVALRY INVESTMENTS, LLC (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

In early XX/XX/XXXX, PNC bank sent me a mailer with a personal invitation and reference code, inviting me to open a new checking account, to set up a direct deposit to receive {$400.00} bonus. The mailer addressed to me by my full name and specified a personal reference code. I have got interested in this offer and applied for the PNC checking account on XX/XX/XXXX. My application was instantly approved, and already within the first billing cycle I fulfilled the offer terms by setting up a direct deposit of {$5000.00} from my paycheck. However, after 90 days I did not receive {$400.00} bonus as it was promised in the offer terms. On XX/XX/XXXX, I contacted the PNC Customer Service with an inquiry about the promised bonus and received a confirmation that " the Promotional offer that was applied to the account entails that you would be eligible to receive a {$400.00} bonus if you have {$5000.00} of aggregate direct deposit ( s ) within 60 days of account opening ''. The agent also opened an investigation of why the bonus was not received. On XX/XX/XXXX, I was informed that the bonus was in fact denied on the ground that I received a similar bonus from PNC on XX/XX/XXXX and that " new checking accounts won't be eligible for the offer if the customer has been paid a PNC checking promotional premium in the last 24 months. '' I'd like to point out that ( i ) PNC did know for sure the history of my relationship with them when they sent me a personal invitation to open a new checking account and offered me a bonus back in XX/XX/XXXX ; ( ii ) the offer was addressed directly to me and mentioned my full name, and furthermore it said " Offer is available to intended addressee only ''. So it was a targeted personal offer directed to me. 
( iii ) the practice of calling my name and offering me a bonus and then claiming that I'm not eligible for the bonus is deceptive at very least. Essentially PNC tricked me into opening a new account by promising a bonus and then denied the bonus. 

My attempt to contact PNC, explaining the situation and even sending them the pictured of their mailer offer, did not succeed. Hence I file a complaint here.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (SC)

XX/XX/XXXX an amount of {$480.00} is being attempted to be collected. XX/XX/XXXX an amount of {$170.00} and {$240.00} is being attempted to be collected. XX/XX/XXXX an amount of {$2500.00} and {$490.00} is being attempted to be collected. Statement date is labeled as XX/XX/XXXX from CMRE.

I have contacted CMRE multiple times over the course from XXXX to present requesting the itemized list of charges. I am provided with bills that do no provide service dates or service types. I made an agreement in XXXX to pay {$78.00} with XXXX ( XXXX ) interest and was paid monthly while still requesting receipts for payments made and what they are going to. I'm told constantly that receipts are " on demand/as requested ''. I've made multiple requests for itemized receipts and have yet to received one. I've called and have a case manager, who's name I do not remember and have left this person many messages with direction as to where to call me and have yet to receive a call back.

The letters I have received from CMRE are payoffs for accounts that are not listed on any bill/demand letter from CMRE. 

As of XX/XX/XXXX I received a letter from another debt collection agency XXXX XXXX XXXX attempting to collect payments of XX/XX/XXXX, {$210.00} XX/XX/XXXX, {$280.00} and XX/XX/XXXX, {$2900.00} XX/XX/XXXX, XXXX for a total of {$4000.00}. These amounts do not match to the amounts by CMRE. 

As of XX/XX/XXXX CMRE on their website published a charge for XXXX with no prior notification of any kind and has called to collect on this debt as well. A bill was requested and as of XX/XX/XXXX no bill has been received.
Consumer complaint received 2022-06-02
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made my XXXX payment on its due date, XX/XX/2002. But when I submitted it on the app, the posting date appeared as XX/XX/2002. Confused, I called customer service, where an agent told me all payments made after XXXX XXXX. get posted the next day. I had submitted my payment at XXXX XXXX. The agent then explained that because the payment would post after the due date, I would be charged a late fee, but that if I called back after it posted, Capital One would remove it. Naturally skeptical, I asked if she would notate this in my account. She said she would. It should be noted that Capital One claims to record all customer service calls. After the fee hit my account, I called back and recounted to another customer service agent my conversation on XX/XX/XXXX and the promise of the fee waiver. He informed me he could not waive the fee, so I asked to speak to a supervisor. A supervisor named XXXX then came on the line. She was EXTREMELY rude and unhelpful. I explained my situation again, and she confirmed that despite what I was promised on XX/XX/XXXX, she couldn't remove the late fee because " the computer '' and " the algorithm '' wouldn't let her. When I reminded her that computers and algorithms are controlled by humans, she had no answer. I asked if there was anything else I could do. She responded curtly, " Well, now you know about the XXXX XXXX. cutoff and can get your payments in on time. '' I asked her to pull the audio of my XX/XX/XXXX call so we could both verify what I was promised. She said she had no way to do this. How convenient. Capital One records calls for its own protection but can't seem to access them when doing so would protect a customer 's rights. The reason for my complaint is not the arbitrary XXXX XXXX. cutoff time, although it's worth noting that I pay EVERY bill online and Capital One is the ONLY company that does this. No, what I want is much more simple : to get what I was promised by Capital One on XX/XX/XXXX, which is the late fee removed from my account.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-02
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. (FL)

I was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown Equifax that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with Equifax and XXXX. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # 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. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

In XXXX of 2022, I noticed a debt from Columbia Debt Recovery of {$420.00} on my credit report. Upon investigating this debt, I found that it was done for an apartment rental property application in XXXX, Georgia. However, I am not a resident of Georgia, nor have I filled out such applications to move there. This is a fraudulent activity done using my personal information. During this time, I also received a letter in the mail as lost and found which was a fake drivers license under my name, using my personal information but had someone elses picture to it. This shows that someone has been using this fake ID to make purchases under my name. I have attached the fake ID to this form for your reference.
Consumer complaint received 2021-03-21
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: Exeter Finance, LLC. (MI)

I traded in my XXXX XXXX to XXXX XXXX of XXXX XXXX, MI in XX/XX/XXXX. They requested a payoff from Exeter and issued a check and I recieved my new vehicle. For some odd reason 2 years later my credit is being terrorized with 30 & 120 Day lates. Each time Ive called them they admitted to the mistake and said it would be corrected in 30 days to no avail. They have damaged my credit profile and reputation. Each time I've attempted to dispute it via Credit Reporting Agencies it comes back as accurate. 

This is my last attempt at resolve before taking legal matters into my own hands.
Consumer complaint received 2022-06-02
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: MoneyLion Inc. (NY)

In accordance with the Fair Credit reporting act Money Lion Account # LL-I 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.