davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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. (SC)

I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX  data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2022-09-27
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. (WA)

XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.
Consumer complaint received 2022-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Consumer complaint received 2022-01-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Consumer complaint received 2022-09-27
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. (GA)

XXXX XXXXXXXX account ending XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (UT)

Ah unauthorized transaction of {$1000.00} was taken out of my account at an ATM and I dispute it once and they denied my dispute and I have disputed it for a second time but the second dispute is still under investigation the website mentions a provisional credit after the dispute is past 10 business days in the investigation and they are not giving me the provisional credit and it has been 2 months since the unauthorized transaction occurred I just want my money back. It is with American Express serve
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (GA)

Several times this week, I started receiving a call from an unknown number. I called the number and was told that it was in reference to a personal matter. I asked for the company name and was informed it was a company by the name of Convergent. While speaking with the representative, I looked up the information on the website. It was at this point that I realized that I have spoken with them several times over the last 2 years, inquiring about several different people ... .none of whom I knew. When I asked how they received my number, they hung up the telephone or said hold on and never would return to the telephone. After calling several times, I was told that they were in error and that my telephone number was taken out of their system. As of this week, the calls have resumed. When I asked to speak with a manager or supervisor, I was again placed on hold. When I hung up and called back, there was a message stating that they were closed. This same company continues to contact me with various names and from several different telephone numbers. I am once again blocking this telephone number, but it's just a matter of time, before they start again, from another number. 

Convergent clearly needs to be investigated and stopped. The random calls to unknown individuals, is absolutely ridiculous. They have given at least 4 different names over the last 2 years.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Creditor Name : XXXX XXXX Account number : # XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX and Transunion. Transunion and XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (OR)

Locked loan XXXX XXXX - Submitted last of docs XXXX XXXX. E-mail from lender docs received XXXX/XXXX/15. my real estate agent ( XXXX ) called me XXXX/XXXX/15 XXXX informed he just got off phone with lender. I called lender XXXX/XXXX/15 about closing I was told I did not meet their requirements. I asked for a denial letter, the letter said Credit app incomplete. lender Closed my app XXXX/XXXX/15. Lender did not notify me Nor did they have the right to close my Loan App. My loss {$1000.00} earnest money and {$500.00} for appraisal. Not to mention my time and everybody else 's. Lender has admitted to making a mistake. HUD contract expired XXXX/XXXX/15 XXXX has to be requested XXXX calendar days before expiration. Extension fee $ 375.00Lender said I would have to re-apply.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of XXXX. I am writing to request that you block all the following XXXX accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-01-27
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. (CT)

YOU ARE IN VIOLATION!!!!! 

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction whis states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. 
Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX is allowing inaccuracies to be furnished on my consumer report. This act of XXXX XXXX has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for deletion of said disputed item ( XXXX XXXX XX/XX/2021 ) and paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. 
Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j
Consumer complaint received 2019-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NM)

Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX  in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. 
On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

Experian offers free credit report. As well as XXXX  and other credit cards. I use XXXX  normally but replied to experians offer. There was no limit or trial. 
Then they try to charge monthly fees. I tried reaching them by responding to their email that requested me to update my payment. 
No avail. I contacted them online at their website. On my yo he made to login with my full ss nimber a user name and pw. Still no success. I tried calling experian. Only led by a computer voice given three options on how to pay. No customer service option no matter what I did. 

I believe this is a big problem. Please let experian know they need to let go of consumers.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I made a previous complaint about a closed account on my credit report that Experian refuses to remove even though I submitted a letter showing this item was suppose to be removed. That was the agreement for payoff. In their response Experian claimed this is not on my account but I have a screen shot showing it is and a letter from XXXX agreeing to remove it.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (AZ)

on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

On XX/XX/13 M & T Bank closed my savings and checking accounts totaling {$38000.00} without warning or explanation. Two very active accounts with money constantly moving in and out of those accounts just suddenly gone sending me scrambling. I have not received the balances and don't know how or when to expect my money from this institution.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

Capital accounts in XXXX TN is trying to collect on a account under my name for the amount of {$430.00} I've reported the account as a fraudulent account about XXXX yrs ago and it still on my credit report. I then told them to send me a credit validation letter. and I haven't heard from them
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (MS)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (VA)

XXXX XXXX. 
XXXX XXXX {$290.00} Credit Line {$300.00} On Tuesday XX/XX/XXXX Experian decreased my credit score by XXXX points because my credit card reached the amount of {$290.00}. They say because of the high usage increase. A credit card is used to help rebuild your credit. How can they take lower my credit score because I used my credit card. In XX/XX/XXXX, I use the exact same credit card and paid it off in full in XX/XX/XXXX and I did not get an increase in my score. I am not behind on this card. It is paid on time. I feel as though the Credit Bureau is trying to hold me back from building up my score. I have a vehicle that I have been paying for on time now for 2 years and not once has my score increased from that. 
XX/XX/XXXX, Experian decreased my credit score by XXXX points because I went over the limit on my XXXX Credit Card. Which this card has been paid on time. Not once did they increase my score for making on time payments. But they quick to decrease my score. When they do increase my score its only by XXXX or XXXX points, but when they decrease it is always XXXX digits. Again I feel as though they are trying to keep my score below XXXX. Every time I get above XXXX they start decreasing it. I have complained about several companies reporting past due accounts on my report two to three times a month and nothing is being done about it. XXXX XXXX XXXX is one of the companies. They reported the same accounts on XX/XX/XXXX and XX/XX/XXXX. I am really trying to figure this out. Again each time my score gets above XXXX Experian starts decreasing it. Within the past two months they have decreased my score by XXXX because of my usage of my credit cards. As a XXXX American person, I truly feel as though I am being held back for some reason. Again why would they decrease my score for my credit cards when I am not behind on them. It does not add up, it does not make any sense.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I looked up my credit report on XX/XX/year> and sent letters to Equifax. my tracking numbers are XXXX, XXXX, XXXX. They said the information did not match what they had on file and requested additional documents. It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible on the letter. The additional documentation they requested was already provided in the letters. items sent was passport, social security card and a bill for proof of address. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I received 400 dollars as payment for work done in my PayPal account on XXXX XX/XX/2022 at XXXX am ( EAT ). 
I was very excited, as we were really waiting for the money to buy food for our children and take one of our daughters to the hospital. 
When I logged in to PayPal to withdraw my funds, I was asked to first provide some more information, including my ID or Passport photo and proof of fulfillment for the two latest transactions ( at XXXX am ). 
I gladly obliged and gave them all the information required of me, and was very careful to make the passport photo very clear and the receipts for the transactions legible. 
At XXXX am, I received an email from Paypal saying my information is being reviewed, and once they complete their review, they will get back to me regarding the status of my account in 3 business days. 
At XXXX pm, XXXX XX/XX/2022, I received an email from Paypal saying I can no longer do business with PayPal, after a review, they decided to permanently limit my account as they found potential risks associated with it.