davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (FL)

Experian has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on Experian as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since XX/XX/2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as Experian and XXXX as well as XXXX and XXXX are violating my consumer rights.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX I sent a partial bill pay to XXXX XXXX XXXX for the balance that was in my account at that time ( {$20.00} ). That night PNC drafted that money THEN charged me a monthly service fee for having a FREE CHECKING ACCOUNT of ( {$7.00} ) THEN overdrafted my account assessing both a {$36.00} overdraft charge and THEN a {$21.00} overdraft fee and now they are charging me a {$7.00} per day fee to which I have been told will continue causing overdraft fees and charges for the next fourteen days until the billing cycle closes which is a random date picked by PNC of somewhere between the XXXX and then end of the month at which point I will be assessed another round of the SAME FEES FOR FOURTEEN MORE DAYS. 

Endless fees. In my state yo can not open a new bank account or close an old one without paying the reported negative balance off which means I will never be able to banking services again since the fees will never stop and PNC refuses to close the account. I can not believe that this is allowed to happen since it is an intentional victimizing of people for being poor. I could get better financial help from organized crime.
Consumer complaint received 2022-06-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Bank, 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
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. 

Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (NM)

I have an account I am paying off with XXXX XXXX XXXX, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at XXXX XXXX XXXX told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for Cash Central. The number assigned to XXXX XXXX XXXX is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OK)

In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. 

In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX   direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. 

The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. 

XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. 

Thank you for your review of this case.
Consumer complaint received 2022-07-10
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)

Hi I am submitting this 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 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative 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 and 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 I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX  now.
Consumer complaint received 2018-09-07
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. (MS)

I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.
Consumer complaint received 2023-03-18
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)

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 : {$4900.00} XXXXXXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting acXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

To whom it may concern, upon the review of my credit report on XX/XX/XXXX I noticed the following organization Caine Weiner listed an entry on XX/XX/XXXX. I have never done business with this organization and would like to see this entry removed.
Consumer complaint received 2018-09-07
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: SYNCHRONY FINANCIAL (NC)

I purchased 2 items from XXXX and returned the products.I had to jump through HOOPS producing tracking # s which I did It was resolved and a credit was placed on my credit card. Then they just rebilled again and put a XXXX charge on a account I closed after the last dealings with this CORRUPT BANK. They are charging products to a closed account. I called XXXX and they have NO record of the XXXX charge. I have closed the account already so I can not go back at look for ERRORS. I have requested all of my statements be mailed so I can review. This is about 8 months. This dispute was settled 2 months ago. They just rebilled the disputed amount and then charged XXXX on a CLOSED ACCOUNT. If they are doing this to me I am sure they are doing this to OTHERS.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (FL)

i have found inquiries i dont recognize on my report and need them removedXXXX 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
Consumer complaint received 2021-12-07
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. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Acceptance Co., LLC (TN)

XX/XX/XXXX my son purchased a car from XXXX in XXXX XXXX TN. He signed the papers, paid a {$200.00} down payment, and they gave him the keys. On XX/XX/XXXX they called and said they needed additional paperwork. They wanted cancelled checks off his employers account. He told them that he would try to get this but that he didn't know if he could. He talked to his employer and was told they would get them ad soon as they could, but it took time. The car lot continued to call daily for these papers. We had given them proof of income in the form of paystubs and they said that was good when he signed the contract. They never gave him copies of the contract and we had to call and argue to even find out who financed him. They say he was financed by XXXX XXXX XXXX. Finally, after not being able to satisfy their needs for proof of income, he returned his car. Upon returning the car they refused to give him his down payment back or copies of the papers he signed.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

On the dates of XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018 I disputed incorrect names, addresses, phone numbers, SSN 's  and inquiries from my credit reports. XXXX, and XXXX removed the incorrect items with no problems because I sent my SSN card, my Driver 's License and a fax requesting that the information be updated and or removed because I did not live at those addresses, my SSN was not correct and the names listed on my reports were incorrect. Experian has failed to complete my requests even after showing proof. I am beyond tired of this company. I have followed all the steps I know to follow, by making calls, uploading documentation, faxing the information etc. and still nothing has been removed.
Consumer complaint received 2023-03-18
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-10
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: Chime Financial Inc (CA)

I discovered today and last week that when calling XXXX or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a XXXX employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once
Consumer complaint received 2019-01-10
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. (FL)

NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail dated XX/XX/XXXX and received by me on XX/XX/XXXX from Experian. They have been ignoring my disputes and just casually 'updating ' the accounts with typical account info. Therefore, there are a few accounts still ILLEGALLY REPORTING in my credit file. As I mention in my attached document, Experian stated in this Dispute Report # XXXX on XX/XX/XXXX that accurate information can not be deleted. Well, please tell me how in the world an account thats reporting late months with THEM ( in XX/XX/XXXX and XX/XX/XXXX ) are reporting POSITIVE AT XXXX for the lifetime of the accountincluding for those SAME MONTHS they claim I was late! HOW IS THIS ACCURATE? WHY WAS THIS INACCURACY & VIOLATION NOT UPDATED TO POSITIVE? Please tell me how illegally reporting a re-aged account is " accurate '' information. Or how accounts that have two different " account open '' dates across bureaus are reporting 'accurately ' with you. THESE ARE ALL VIOLATIONS. I demand that this dispute be expedited due to Experian 's negligence and the disputed accounts be deleted immediately and updated to positive where noted. The attachment includes my SS card and photo ID.