davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2020-12-28
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: OneMain Finance Corporation (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, ONEMAIN FINANCIAL SERV add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-02-25
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. (FL)

There is currently a XXXX XXXX XXXX account that is currently been reported on my credit report incorrectly. The credit report says that this account is 1 year, 3 months and 14 days old and this is false. On my XXXX credit report it says that this account is 7 years old and 8 months old. So, you cant have two credit bureaus reporting different information on the same account and who are getting information from the same creditor. This doesn't make any sense. Kindly investigate and fix the matter urgently
Consumer complaint received 2020-12-28
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: PNC Bank N.A. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PNC BANK add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We reside in XXXX XXXX California and we have been dealing with an issues with XXXX Bank of America Card since XX/XX/2020 with no resolution. On XX/XX/XXXX and XX/XX/XXXX we paid some household bills as follows : XXXX XXXX XXXX {$610.00} XXXX XXXX- {$600.00} XXXX XXXX XXXX- {$720.00} and {$600.00} XXXX XXXX XXXX- {$130.00} We paid these bills with my husbands Bank of America XXXX card . In XX/XX/2020 we received various letters from the utility companies indicating the payments were reversed because Bank of America flagged payments as fraud. {$2600.00} in utility payments were reversed and we had to pay the utility company that money directly because our utilities were going to be cut off. Upon contacting Bank of America they we were told there was no claim on file and they did not receive the reversal of funds from the companies. We them proceeded to open a claim to have the situation investigated. We faxed over to them all the reversal notices we received and Bank of America applied a credit. A few months later the funds were taken from my husbands account again and we are again going in circles trying to resolve the issue. Can you please help us or give us information in who we can contact to file a complaint and have this investigated at a higher level. Thank you for your time and attention.
Consumer complaint received 2020-12-28
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. (NJ)

I have mailed in letters several times to XXXX, XXXX and Equifax in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (OH)

I opened a checking account with Key Bank on XX/XX/2019 based on a mail solicitation I had received to open such an account. As an incentive to opening the account the mailing promised a {$500.00} credit if you make " ONE single KeyBank direct deposit of {$500.00} or more within 60 days after account opening. * ". Obviously, receiving the {$500.00} credit was my primary motivation for the action I took. 
When I read the fine print of the mailing it noted that the only acceptable direct deposits were " payroll, Social Security, pension and government benefits ''. Today ( XX/XX/2019 ) I contacted Social Security ( online ) and redirected my monthly Social Security check to my new Key Bank account. After entering the required information on the Social Security web site, it informed me that the first deposit to Key Bank would be with my XXXX payment ( XXXX was not an option ). My XXXX payment would not occur, however, until on or about XX/XX/XXXX. Thus I would not be able to qualify under their 60 day rule. 
Since this was only a day or two later than the 60 day requirement, and since I was probably not the first retiree to encounter this situation, I was hopeful that they would make an accommodation for my good faith effort to get the direct deposit ( which, of course, would be a recurring deposit ) into my new account. I was wrong. I made this determination when I called the " 866 '' number on their mailer and  spoke with one of Key Bank 's representatives. He said they would not make an exception and that I should instead direct my payroll or pension benefits as a direct deposit ( he noted that he was aware that Social Security routinely could not meet a 60 day direct deposit deadline, but that other sources such as payroll or pension probably could ). I am retired and I am not currently on a payroll. My pension payment goes into an account from which my mortgage and credit card debts are automatically debited making any change to that arrangement complex and undesirable. 
I told the Key Bank representative that I felt their mailing was deceptive at best and perhaps fraudulent. I told him that because of their lack of having a reasonable accommodation for my situation, I would be terminating my account. He said if I did that I would be assessed a {$25.00} early termination fee. At that point I told him I would also be filing a complaint with the CFPB.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CT)

On different dates I have reached out to this company rto dispute this inaccurate information. Once this debt collector requested for me to send the poof this debt was not mines and I did not own any balance which I was able to verify but yet they are claiming this debt is mines. Which they are falsely reporting this information on my credit report. In the past month I again disputed this claim and yet they are trying to verify this debt is mines when it is not.
Consumer complaint received 2020-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Eastern Recovery Management Inc (FL)

On XX/XX/2020 I received a phone call from a lady who did not Identify what company she represents and that they were attempting to collect a debt and she stated that a courier was showing up at my home to serve me papers within 1 to 2 hours. I then asked her who is this. she then stated that she was a mediator and not a debt collectors office and she was calling on behalf of XXXX XXXX XXXX that they had a civil claim against me stating that I was intent to fraud and that I owed XXXX for a credit card that was closed in my name.I explained to her that I did not receive any paper work or prior phone calls pertaining this alleged debt and I could not afford to pay anything today and she attempted to ask for a payment and I told her I have to pay rent and can I make payment arrangements on XX/XX/2020 she then stated that her client was not willing to wait and that she was signing the paperwork stating I was refusing to pay and legal action such as forcible recovery are in effect.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OH)

I took a cash advance on Discover in XXXX. I paid an upfront 3 % for this 0 % offer. I kept using the card and paid for the purchases. I was getting charged {$80.00} in interest for a 0 % amount. If I paid the card off for the purchases and the amount left is 0 % why would I get charged interest. I had two customer service people tell me that I had to make a minimum payment on the amount in order to avoid interest. I tried that, still got charged interest. I am getting charged interest on an advertised 0 % amount. If I pay off the purchase amount and the only thing left is the 0 % amount I should not get charged interest. I talked with a supervisor today who gave me a fax number and told me it was a phone number to call. I have been lied to by the representatives. This is very misleading. I should not be charged interest if I pay off the purchases and there is 0 % amount left on the card period. Please see my statement for proof. I took out {$2400.00} plus 3 % so as you can see on the statement. I made {$2900.00} in purchases and paid {$4900.00} on the bill leaving {$2500.00} that was supposed to be interest fee. As you can see I got charged {$81.00} in interest on a supposedly interest free account. I was told I had to pay off the entire amount not be charged interest. If that is true then it is not interest fee as advertised.
Consumer complaint received 2023-06-12
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: DISCOVER BANK (CO)

In accordance with the Fair Credit Reporting Act, creditors XXXX  XXXX XXXX, Discover, XXXX, XXXX XXXX and XXXX XXXX  have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; XXXX, XXXX  and Transunion. I was notified by XXXX  XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have tried several times with no help from Equifax to get proper access to my report. I was told that i have Alerts on my report so i sent In necessary docs to have any and all alerts removed. However, my Equifax continues to mis report information on my file. The bank says that my Equifax file is too large and it has to be compressed because its so large. 

Equifax is obligated by law to make my report accessible and should therefore delete all soft inquiries and anything else that causes my files to be so large that the report is no accessible. 

Furthermore, I am yet disputing this two inquiries that are on my credit file : XXXX XXXX XXXX, XXXX XXXX and these are not authorized by me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below..

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


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
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.
Consumer complaint received 2016-09-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (PA)

LVNV is reporting a collection for {$3700.00} for a XXXX ( orig creditor ). 
I never had an account with XXXX for that amount of money. In 2014 LVNV attempted to take me to court. I hired an attorney to assist. Attorney requested validation and they withdrew their case without prejudice. The SOL on this alleged debt has been well exceeded. I have over the last several month via certified mail with signature confirmations I have requested validation from them to get this removed from my reporting but I have been unsuccessful. They have never replied to my requests but they continue to report this past due balance. I have not received any mailings at all from them. Please help me. I need to refinance my mortgage and this is clearly a problem for me.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I received a letter from Chase bank regarding my checking account. I've had the account for a long time. 
The letter I received in XX/XX/2022 said my checking account will be closed on XX/XX/2022. 
As of today, it's still open but I can not get an answer from employees as to why it's being closed. 
I've had overdrafts in the past, but not for many months. 
I've called my local branch and talked with the bank manager the first week of XXXX, XXXX. He can not tell me the reason. 
I've called customer service XXXX  since XX/XX/XXXX. No body will tell my why, or they transfer me to someone else who can not help me.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been trying to communicate with then via email and messages to get help due to Covid, my kids being out of school, and my wife working part time, now she's off totally due to health issues being admitted to the hospital XXXX  XXXX. I am not able to call, they won't work through secure messages. I need help getting this resolved, I've paid minimum payments every month still they're giving late fees bc I was late 1 time due to this by 1 day, they won't fix this nor help me with payments.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-28
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. (WA)

XXXX XXXX should not be reporting to XXXX  ; XXXX and Transunion that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County (CO)

as XX/XX/2020 I spoke to the collection agency try to come to a Seattle amount. They deny, and gave me a higher amount when clearly my collection is {$550.00}. when they trying to collet {$1200.00}.