davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (TN)

Applied for debit card w open checking acct. on XX/XX/XXXX, XXXX.Have sent over ten notices to pen-fed cu telling them about the missing debit card, still no debit card or response. I need to use this card for purchases & should have recvd it some 3 1/2 months ago. Also I needed to make 5 purchases w it within 90 days for their bonus offer. Which will now to be extended another 90 days, once I recv the missing card
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

The company took it upon themselves to lower my credit limit by {$1300.00} stating they sent a letter, which was never received. i questioned the change they said they have the ability to change a limit or close a card based off monitoring credit, i have had the card for almost 3 years and have never had any issues with it, there was one payment returned by the bank because they didnt recognize it as my husbands card and thought it was fraud, the payment has since been paid. they lowered my card from {$2000.00} to {$700.00} when theres already a dental charge on there for almost {$600.00}, so now they have not only harmed my credit by doing so, it shows that the card is at 80 % use. i can no longer even use the card. its unfair and abusive for a credit company to take advantage of a customer in the way they have, simply after one issues in the whole 10+ years i have even done business with them.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MA)

Diversified Consultants ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX They are saying I owe {$760.00} and the original balance was {$430.00}. They are also saying the debt is from Florida and the date opened was XX/XX/2015. I lived in Massachusetts during that time. I have disputed this with XXXX and XXXX to no avail.
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (PA)

i am lodging a formal complaint against firstpoint collection. this debt collector has reported derogatory info on my credit reports for a {$240.00} debt that doesnt belong to me. I have sent this company numerous debt validation request with no response from them, but they are reporting every month on my credit reports, which is a violation of the fcra. a debt collector must cease and desist while validation is provided. i am in the process of purchasing my very first home and im being told this account that doesnt belong to me is stopping me from being approved. im requesting this account be deleted immediately from my credit reports so i can purchase my home for my kids. thanks for your time.
Consumer complaint received 2019-04-23
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: Experian Information Solutions Inc. (OH)

Account number # XXXX is showing on my report multiple times and is ruining my credit, it should only be one account. I have tried numerous times to get these duplicate accounts removed to no avail. This account is a US Dept of ED/XXXX/XXXX # XXXX has been deleted from my credit report the other accounts showing the same account number need to be deleted as well. Account # XXXX is a XXXX XXXX account but XXXX XXXX was the original creditor. The XXXX XXXX accounts have been deleted from my credit report. XXXX  former name was XXXX XXXX and the XXXX accounts have been deleted as well.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I still have {$110.00} reward balance when the Capital one Spark visa was cancelled by the bank.I didnt owe them money and I always paid off the bill before the due day. I didnt received any notice or reason.I tried to talk to them, but I was denied from XX/XX/2018-XX/XX/2018.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (VA)

I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use.

I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no.

I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.
Consumer complaint received 2019-04-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

A XXXX debt owed to XXXX XXXX XXXX XXXX that was paid in full to a Collection Agency, but is still being reported by the Collection Agency ( below ), and still appears on all three credit bureaus as, " An Account with a Negative Pay Status ''. The current balance is and has been {$0.00} for over ( 2 ) two years. I have asked the reporting Collection Agency to remove the above reference negative notation, and I have provided them with documentation they've requested, but they have refused to correct or remove the negative reference. Thank you. 

Diversified Consultants XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter.
Consumer complaint received 2019-04-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


XXXX XXXX XXXX/XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Consumer complaint received 2022-10-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

This was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know 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.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2023-01-27
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: EQUIFAX, INC. (IL)

Opp loans Acct # XXXX Opp loans Acct # XXXX Self lender Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

This is with reference to Mortgage Account Number XXXX with Loan Depot. 

The insurance coverage through XXXX XXXX on my residence lapsed while I was out of the country last XXXX, and I did not realize it till I got a note from my lender notifying me about it. I promptly got new insurance from XXXX on XX/XX/XXXX with whom I had also started a car insurance policy a few days earlier. In effect, I did not have coverage from XX/XX/XXXX to XX/XX/XXXX - a period of about 45 days. 

After I submitted the XXXX insurance, I as told by Loan Depot, that there was a gap of 45 days where I did not have insurance, and that they would try to get coverage for that period if I was unable to do it. When I checked around with XXXX and other insurance companies, they mentioned that it was illegal to backdate insurance. The letter from loan depot also indicated a charge of {$800.00} ANNUALLY. I spoke with the loan depot representative who indicated that the pro-rated charge for the 45 day period would be {$120.00} or so. Even though I felt that backdated insurance was a scam, I was ok as it was costing me only {$120.00} or so I was surprised to see a charge of {$800.00} on XX/XX/XXXX, and have tried to contact loan depot who have refused to remove this charge. Need help to resolve this issue, and remove this unfair charge. Please note that there was no damage or claim on the property.
Consumer complaint received 2020-06-06
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. (TX)

I have spoken with this company multiple times and this still has not been addressed. I received a letter from the company who placed an inquiry on my credit. They are unable to locate any information based on what I provided them. I provided them the same information they are using to report the inquiry.

With that said, I find it unlawful that a company be allowed to report on my credit when they have nothing under my name in the first place. I have attached a letter from the company to confirm the same.

I have tried to handle this with the credit bureau and the company continues to refuse the evidence as well as delete the entry. They are deliberately spewing the same rhetoric repeatedly in the hopes that I would accept that.

This is the first step towards my decision to seek legal recourse.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2023-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I agreed to payXXXX on XX/XX/2018. I called in XX/XX/2018 and paid it early. Days later I learned they had taken a additional payment ofXXXX. I called to resolve the error and have not been able to. They lied stating I committed fraud and closed my account further damaging my credit. I still did not receive the money back.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.
Consumer complaint received 2020-06-06
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: SYNCHRONY FINANCIAL (GA)

After learning I was a victim of identity theft I sent an FTC identity theft affidavit along with a police report and a letter stating how I was a victim of identity theft to Synchrony Bank. I also sent the same letters to the credit bureaus letting them know I was a victim of identity theft, but in the response letter Synchrony Bank sent me back they said that they will not remove this fraudulent account because they say I paid on it but I never had any knowledge about this fraudulent account until learning I was a victim of identity theft recently when I received a call from the police department.