davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I deposited my check on Thursday XX/XX/2019. They then told me that it won't be available for 7 days. They then locked me out of my account claming " suspicious activity ''. I called them on Saturday XX/XX/2019 and they said it was because my daily balance is too low and the bank could do nothing to release the funds or help me, essentially saying I'm too poor to access my funds immediately. I explained to them that I live paycheck to paycheck right now and that I need the money to pay for food, gas, and bills. I've had a couple day hold before, but never a full week. Usually it's available immediately. Their hold seems unreasonable and perhaps unlawful.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

I wanted to link my once accounts to the XXXX XXXX XXXX XXXX XXXX APP, I was able to connect my XXXX XXXX BUT NOT MY PNC BANK, PLEASE INFORM PNC TO ALLOW THIS!
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

Lexington Law called me in XX/XX/XXXX, letting me know they could help me get my credit repaired and raise my score. I was in need of credit repair since I had been denied a few places of residency because of bad credit, so I signed up over the phone for {$120.00} and then began paying {$89.00} monthly. 
On XX/XX/XXXX, the charged my debit card to pull my credit report for {$14.00} without notifying me first. I was not aware that they charged separately to do this along with my monthly charge. 
I called mid-May XXXX, requesting to cancel my membership since I no longer to keep paying them monthly. In a little over a year, they had only gotten my Student Loans back on track and helped get a medical bill removed that belonged to my daughter and had been paid by her insurance. The gentleman I spoke with over the phone confirmed that my membership had been cancelled and I shouldnt be charged any further. 
There were two charges that showed up on XX/XX/XXXX, on my bank statement from them. On XX/XX/XXXX, I had two charges from Lexington Law on my bank account, one the amount of {$89.00} and one for {$19.00}. Neither of these charges were authorized. 
I called them at the number Ive always spoken to them on, XXXX, and it rang for 2 minutes 4 seconds. There was never an answer and no voicemail even picked up. 
Ive been unsuccessful with getting in contact with them since to find out why I got charged for services that I never received and still havent been able to find out how to receive a refund for these charges.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/2024, i got a call so i answered it. The person on the phone said they were the fraud department for my bank, and said i had suspicious transactions on my account, and that they were going to close that account for me. They then said they would send me a code for me to read back to them to verify it was me. Everything seemed fine until the next morning. The next morning i checked my back account and i was missing {$1800.00}. I could also see that all my money was spent in XXXX, Georgia and I live In West virginia. I then called my bank and met with them. My bank told me i had been hacked and that they would try their best to reimburse me. They then reimbursed me about {$1000.00}, but said they had to wait for the rest to get approved. I then waited for about a week to hear back. The person working with me on this then called me and said the fraud company is not reimbursing me the rest because they believe i made those transactions even though all transactions were from Georgia. I am still currently missing about {$900.00}.
Consumer complaint received 2022-07-11
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. (DE)

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/XXXX  XXXX Balance Owed : {$790.00} ; XXXX  XXXX  XXXX  XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}
Consumer complaint received 2019-07-13
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: Experian Information Solutions Inc. (NC)

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, TransUnion and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-08-27
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

The company LVNV funding, has bought numerous uncollectable debts from companies and is now reporting negative information on my credit report with no validation made on the accounts. I have a collection for {$1000.00}, from " XXXX XXXX '', - which was an account that fell behind when my husband XXXX XXXX   and became totally XXXX. There was XXXX protection on the initial account, as well as protections in place through the military lending act, as well as the SCRA- since my spouse was XXXX XXXX. The original creditor never applied any of these protections and now this company has purchased the debt and is trying to collect a debt- with no regard to these credit protections for service members. 
There is another debt showing for {$360.00} for an account that says " gettington '' - that I have never heard of nor received any validation for. Only a negative mark on my credit report. 
This company is buying debts that aren't even legally collectable. I have already made disputes, with no resolution made.
Consumer complaint received 2019-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

I.C. SYSTEM, INCI C SYSTEM INC ( debt collector ) XXXX XXXX XXXX XXXX XXXX ( physician 's practice ) XXXX XXXX XXXX SXXXX XXXX, MN XXXX ( XXXX ) XXXX This company ( I.C. System has repeatedly tried to collect the wrong amount form me and has falsely billed me as well as reported this to the credit bureau ). They are rude, unethical, have unprofessional billing practices, and aren't willing to discuss matters necessary to resolve the issue. I have disputed and the correct balance has been paid in full directly to the physician 's office.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CA)

So been using Cash app for many years with no problem love cash app. On XX/XX/2023 I logged in after I getting a new phone. And cash app said they closed my account because did something against the terms of service. I said of this must be a mistake what did I do. No answer. Cash app has had system problems a lot lately and I heard from others they randomly closed down people 's account with no explanation. Well i need my account and I need an explanation and my account back
Consumer complaint received 2022-08-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (OH)

well back in XX/XX/2022 consumer sent complaint to the cfpb concerning several important issues, only to be closed, due to ' '' concerns that my letter showed a possible second person was using my info or sharing in the complaint, though i continued sending my information 's, .consumer finally got a response from the company, now this response is dated XX/XX/2022, at an address i know longer receive mail there, not my place of abode and during this time frame the company " kia finance '' had someone to come and tow my car on XX/XX/2022 while my disputes were still being processed but not yet settled and therefor I called police to report car stolen and was informed it was repossessed without my knowledge or consent, which left consumer at a very bad loss, so back to the letter this finance company consumer has no idea who these people are, i had full rights to withhold all payments until company complied with there obligations and duty 's ....
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

On XX/XX/2020 my money was deposited in the amount of {$110000.00} to Chime bank account next day bank put hold on my account & whatever documents bank requested I provided it to them. 
Today XX/XX/2020 they closed my account, refused to give me any reason for closing my account & refused to refund my money. I really appreciate if you look into this matter before I take legal action against Chime Bank.
Consumer complaint received 2018-02-02
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. (CA)

Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX  COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-02-02
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. (OR)

On XX/XX/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (MO)

Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry On my ( XXXX XXXX } credit report. I recently retrieved my credit report and it showed a company pulled my credit without my permission and I am not happy because it is affecting my credit in a negative. The inquiry details are : XXXX XXXXXXXX XXXX ( Important Dates : Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Adidtional details ( Business Type : Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX XXXX
Consumer complaint received 2022-03-18
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. (NY)

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX XXXX XXXXXXXX claims i owe {$9700.00} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has become a global bank with all customer service handled out of our country. The customer service representatives do not have accurate information posted to card holder accounts regarding payments that have been made. False and misleading information has been posted to my closed American Express account to the 3 major credit bureaus AFTER I sent a Bank Check to pay off the entire balance due. Very suspiciously the XXXX XXXX XXXX XXXX number with signature confirmation confirms American Express DID receive a Bank Check for {$3200.00} on XX/XX/XXXX, XXXX BUT American Express customer care claims there is no record of this payment AND still show my account as not paid. There are over XXXX complaints posted on XXXX XXXX regarding American Express NOT posting payments to American citizens AND business owner accounts AND false negative information sent by American Express to 3 major American credit bureaus.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

Please look at my both of XXXX XXXX Mortgages. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years discharged. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE HELP!!!!
Consumer complaint received 2023-06-25
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Consumer complaint received 2021-04-13
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: DISCOVER BANK (NY)

I ordered a shirt from a small online store XXXX. It did not ship for month due it being on backorder which I was fine with. A month later I had forgotten about it however and apparently around that time it was marked as delivered by XXXX " in/at mailbox '' but I never received anything. 

While watching one of their videos about another month after I remembered I ordered the shirt and contacted them to see if they could send a replacement as I never received my order. They stated they could only see that it's marked as deliver and to contact the local post office and/or check in with neighbors to see if they have it. The post office of course just says delivered and since I live in a very urban area of course neighbors aren't possible to get in touch with or they don't really care about it. 

I then proceeded to issue a dispute with my CC and it was only until then they say " we want you to have the best possible purchasing experience, and would be willing to make a one-time exception for you. In order to do this, we ask that you please close the credit card dispute that is currently open. We greatly appreciate your support and we are awaiting your reply. Thank you. '' If they had offered a replacement right away I would have been happy to accept as I still supported them and the work they do, but after this experience even though the quality of their videos is amazing their store experience is lackluster.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, XXXX, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX XXXX - XXXX