davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority (GA)

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, XXXX STILL has multiple accounts furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Consumer complaint received 2022-03-25
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. (NJ)

I pay my parlance on my credit card always and I explained this to XXXX XXXX equifax and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America closed my credit card, savings account, checkings account and business accounts without a disclosed reason. I have strong suspicion this closure is caused from me being a young, female, XXXX XXXX XXXX XXXX XXXX. 

All accounts were paid on time and were not subjected to overdrafting. 

My accounts will be frozen on the XXXX of XXXX, 2019 and will officially be closed on the XXXX of XXXX, 2019.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

To whom it may concern : on XX/XX/2022 On my Chime checking account I was charged twice by the same company ( XXXX & XXXX ) 1 ) {$120.00} at XXXX am and anotherfor {$120.00} at XXXX there was no store # included on my bank statement. I called Chime right away and they stated I need to wait until the charges have been finalized. I call back in 2 days and filed a dispute for those charges, the claim was denied stating Chime could not find any errors. I called back and spoke to Manager XXXX XXXX XXXX ID XXXX. He stated if I could send some sort of documentation, I sent over my actual completed form stating I was working that day and that my debit card was on me at the 1st charge at XXXX. I also asked if I could have the store location so that I could call them and see the camera 's that I was actually there, he stated he does not have that information. Per XXXX & XXXX customer relations stated " That in order for XXXX & XXXX to charge a card, we have to get approval provides the back/Card. The approval provides the bank/card with all the merchant information like store #, address and mechant numbers. for a dispute and or/ police reposrt, this documentation need to come from the bank/card for record. They '' ll need to provide the transaction details for any transaction it approves or posts. '' I have also filed a police report # XXXX. I have received another email from Chime stating it was denied. Help!
Consumer complaint received 2019-10-09
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. (FL)

THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2019-06-26
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: REGIONS FINANCIAL CORPORATION (MS)

My wife and I went to XXXX, MS Friday XX/XX/XXXX through Sunday XX/XX/XXXX. Saturday I woke up and checked my bank statement. It showed 4 charges that I had no idea about totalling XXXX . We immediately cancelled the card and reported it as fraud. One charge for XXXX $ was from a XXXX XXXX. Second charge was from XXXX and it was XXXX . Third charge was also from XXXX totalling XXXX . Then the fourth charge was a XXXX $ XXXX charge which neither my wife or I have ever used. It has now been 3 weeks since we filed the claim. The claim was rejected then we appealed it. They aren't budging on clear fraud charges and I am at my wits end.
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On and off again ; From the first XXXX of the Year of XXXX to My new account t as of XX/XX/XXXX ; TOYOTA FINANCIAL SERVICES ; have been, I REPEAT AND I APOLOGIZE FOR MY TEXT LANGUAGE BUT THIS IS HOW FAR THEY HAD MAKE ME ANGRY ON HOW TO RESOLVE PAYMENT PROCESSING ISSUES ON THEIR SYSTEM ; I HAD THE WORST XXXX DISGUSTING TIMES WITH THIS HORRIBLE XXXX COMPANY AS IF I NEVER CALL THEM OR CURRENTLY HAVE PAST DUE AMOUNT DUE TO THEM NOT EVEN ATTEMPTING TO TAKE MY XXXX MONEY FROM MY XXXX BANK ACCOUNT IF I NEVER CALL AND HAD TO TALK TO OVER XXXX SUPERVISORS AND MANAGERS TO RESOLVE THIS ISSUE ; I WAS UNABLE TO GET ANY FOLLOW UP ON ANY COMPLAINTS FOR THEM TO MAKE SURE THERE WILL BE NO MORE ISSUE WITH THE PAYMENT ; ALL I SEE WAS AN ATTEMPT FOR THIS COMPANY TO REJECT ALL MY PAYMENT AFFECT MY CREDIT WITH BOMBARD THREATS AND CALL AS WELL AS NOW A POTENTIAL LAWSUIT WAIT FOR ME SINCE THEY ARE CURRENTLY REFUSING TO TAKE MY MONEY IN THE LONG RUN BUT IM STILL OWE THE LOAN ; THATS NOT FAIR AND I WONDERING WHY I HAD THIS PROBLEM WITH ALL PAYMENT ; I EVEN REQUESTED THEM TO REVIEW THEIR PHONE LOGS AFTER CLAIMS THEY WERE GOING TO DO AN INVESTIGATION ON MY ACCOUNTS ; I DONT KNOW IF THEYR ARE TRYING TO BE RASICT OR NOT BUT PLEASE GET TO THEM TO FIX THIS ISSUE AS I ALREADY HAD A THREEWAY CALL BETWEEN THEM AND BANK SEVERAL TIEM TO ADDRESS THIS ISSUE AND THIS IS STILL A XXXX PROBLEM THAT SHOWS THAT THEY ARE LEGALLY ATTEMPTING TO DAMAGE MY FINANCIAL FUTURE AND SECURITY ; PLEASE RE-READ THIS AS THIS IS MY CURRENTY STATE OF MIND WITH THIS COMPANY DUE TO THIS UNRESOLVED UNRESOLVED XXXX BELIEVABLE ISSUE IS STILL CAUSING ME PROBLEMS I ACTUALLY HAD THEM EMAIL MY COMPLAINT THIS TIME AS THEY LOST ALL DOCUMENTATION I REQUESTED WHEN I ASKED EACH REPRESENTATIVE TO REVIEW THE ACCOUNT TO ADDRESS MY ISSUES.
Consumer complaint received 2023-05-24
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. (MD)

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 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 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

I have a Crypto.com Account, with a XXXX card. I was hacked about 6 months ago and the person changed my phone number and email. I'm trying to get my account back. 

I feel as though Crypto.com employees are simply playing a game with me, and it is not funny. for over 5 months, they have made me send copies of my driver 's license, front and back, then a picture of me holding the license to my face, and the first couple were not acceptable so I had to do this 3 times. Then they wanted a piece of paper with the date, words Crypto.com, and some code they give me and I am to hold all of this plus my phone to take the photo but have my elbows in the picture. I don't have 3 arms. We've done about 50 takes of all these things and now they want my phone number. NOW, if the hacker changed my email, he's also going to change the phone number. 

One person said I needed to make a completely NEW email, not the original one that I signed up with, which is illogical, but I did it, and now they want another video of me with another code and looking at my elbows. It's impossible. 

I want my account back. 

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2018-04-19
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. (OR)

The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-04-19
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. (MA)

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX  XXXX, XXXX is now being reported again
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

I applied with PNC Bank to refinance my mortgage at a 2.1 interest rate. Four months into the application process I asked to terminate the application process because I felt that I was being harassed and discriminated against. 

At the beginning of the application process, I gave Pnc all documents they required to start the application process. They sent out an appraiser to appraise the house who appraised the house for a lessor amount than I felt that the house would appraise for. 

PNC advised me that because my house did not appraise for what I had thought they countered a different offer than the initial 2.1 % and closing cost. Which was a 2.67 % with closing cost. I was told that 20 % of my existing loan should be paid down to reflect that 20 % of what the house was appraised for should be paid for me to be elicitable for the 2.1 % interest rate. 

So, I agreed to the counteroffer of 2.67 with closing cost. PNC then advised me because it was past a certain time frame, they would have to recheck my credit. I agreed to allow PNC to recheck my credit. After they checked my credit, I was given a counteroffer for 2.75 % with a closing of XXXX dollars at closing because I had a XXXXcredit score which was the high score, and the middle and lowest scores was a XXXX and a XXXX. I was advised by PNC that the lower scores had been reported by a 3rd agency factual data. I advised PNC that the lower scores were not accurate. I also advise them that I knew this because if have separate individual accounts with all credit reporting agencies and I can access all accounts to prove that the scores that factual data provided was not accurate. 

At this point I'm extremely frustrated with the process but because of the frustration I agreed to the counteroffer. After I agreed PNC asked me to prove where the money was coming from after I had given them all bank accounts, sign a 4506C so they can check my taxes with the IRS. With all of the frustration that I was feeling at that point I gave them my bank statement and I signed another 4506C so that they can check XXXX, XXXX, XXXX, XXXX and XXXX. After I gave PNC this information they then came back and asked me to send them my bank account information with the URL attached to it or to have a representative from my bank to date, sign and stamp the document by next day. Which would not have been a problem if it wasn't XXXX Friday when they requested the documents. At that point I asked to not move forward because I was being harrowed and discriminated against.
Consumer complaint received 2023-07-06
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (OH)

I received a letter from Unifin, trying to collect a debt from another debt collector, XXXX XXXX. 

The debt is for an old XXXX XXXX card. I believe it is past the statute of limitations for collection, being over six years old.

The letter I received does not mention that the debt is uncollectible.
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.
Consumer complaint received 2022-07-05
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. (NC)

I have spoken to equifax representatives 3 times over the past six months. I have not been able to access my consumer report in the last 6 months. I get a " contact customer support '' message when I try to log in through equifax online portal to view my consumer report. 
On calling equifax customer support on XX/XX/2022 I was told that the matter was escalated. I was told once it was fixed someone would contact me via email. I never received a response from Equifax with the matter being resolved. 
I called equifax again on XX/XX/2022 because I was still unable to login to their system to review my consumer report. I was told the matter was escalated to their I.T. department. I was instructed to wait 3 weeks for the matter to be resolved. 
On XXXX XXXX I spke with a representative and supervisor from equifax. I am still unable to access my consumer file which equifax has compiled and shares with other persons. I was told the matter would be escalated witrh the ticket number being # XXXX.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I made a airline ticket purchase online through XXXX XXXX service for XXXX on XX/XX/31 and XXXX XXXX contacted me in XXXX stating my flight tickets were fraudulently purchases or charged and they would not be able to give me these tickets. We cancelled the fraudulently purchased ones and had XXXX new tickets re issued. I contacted XXXX XXXX  who stated whey would not refund because my tickets were fine ( not ) and i filed a dispute through Citibank and they cancelled my card and sent me a new one and did an investigation through their incorrect dept internally stating since i corresponded wit hthe vendor i was responsible, however they realized it was to be processed and handled through their billing dispute dept since it was for a charge i attempted but did not receive any good or services as it was a fraudulent sale. i have tried numbers time in 3 months to reach someone and get it transferred and they keep telling me XXXX days then nothing happens and i keep starting all over, without any refund. 
i did not receive anything from this vendor. This vendors charge was fraudulent and they never gave me a ticket or a refund.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is XXXX XXXX XXXX XXXX they are from XXXX, VA
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (AZ)

Adverse action provided was " unable to Verify credit/application '' was told that it was not credit related but I can not locate the problem and Discover Financial Services will not help my determine what information needs to be verified.

No issues with the info on my credit report.
Consumer complaint received 2022-03-25
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. (MO)

In Accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I Have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-23
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)

I've recently challenged the accuracy of a public record that's being reported by XXXX  via letter, in which you'll find attached. 
I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested. 
I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home. 
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, XXXX XXXX XXXX