davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX, I got a call about a past due bill for XXXX bill for an address on XXXX XXXX. I explained to the representative that I never lived on XXXX XXXX and this isn't my debt. He verified my information. The person use my social security number and date of birth to open this account. He advised to get a police report and send to them along with statement of the electrical company from XX/XX/XXXX. I have filed a police reports and mailed the information to ProCollect.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Consumer complaint received 2022-05-14
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

To whom it may concern. 

In XXXX of 2021, I found myself unable to log in to my Suntrust account, the branches were closed and there was nobody answering my calls. 

I was unable to manage my account and unable to prevent a miniscule automated charge from hitting my " STRICTLY NO OVERDRAW '' account. 

That made me feel sick, so I immediately switched my direct deposit to a different bank until this could be resolved and they have never been willing to resolve it. 

Meanwhile they sponsor the XXXX? 

I have spend countless hours trying to communicate with them and spent about a day 's worth of time waiting on hold for them. 

Their branch manager told me in person after I was unable to find a resolution through other avenues, to forget about it and they will probably wipe out the negative balance and close the account, because of what happened to me... 

LOL, I guess they just bullshitted me to my face or lied? 

I reported them here months ago and received a letter yesterday that was just another attempt to make me pay for the heinous headaches their failures as a bank caused me. 


They have been insulting to me, belittling, and deceptive. 

They are trying to position themselves to put the shame of their failure onto my name unless I pay for their mistakes. 

Any charges that occurred on that account after XXXX were not even under my control, they screwed up my account access and I didn't have time to wait on hold with them, I don't even have time now, and you don't have time... 

Almost seems like I was privately targeted by somebody within their company. 

I honestly think this was just somebody in their company who didn't like me that was trying to mess with my life and didn't care about losing me as a customer. 

I have had to deal with customer service agents who did not have adequate comprehension of the English language and they have failed to even address me properly after I have tried to be as personable and relatable to them as I can be. 

They are truly strangers, make me feel like they are some kind of domestically subversive financers of societal denigration. 

They should be a bank for people with 6 figures only, they simply have 0 respect for accounts that do not have large stagnant balance for them to profit on.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Inaccurate information is on my credit report with Transunion. They are reporting inaccurate, derogatory marks on my account. The company that opened the account is XXXX XXXX and it was opened on XXXX XXXX 

The company has been repeatedly reporting inaccurate information on my credit report.
Consumer complaint received 2022-05-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?
Consumer complaint received 2022-05-14
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 believe that it was a mistake of banning or closing my Paypal account. I am a freelancer and i chose Paypal as one of my payment options. My Paypal account is aged for over a decade now and it is a kind of embarrassment. 
I want my Paypal account restored so i can continue my business transactions.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

I paid off my credit card balance in XXXX of 2022, but I am still being charged interest. I have requested an itemized breakdown of the charges that are accruing interest, and American Express will not provide anything.
Consumer complaint received 2022-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (LA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : it as lo states a consumer report agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc. (SC)

On XX/XX/2022 around the time of XXXX XXXX XXXX. I spoke with a gentleman from Conns XXXX XXXX. I was at work at the time of the call. This was a very inconvenient time for me. 
I told him I was at work and he persisted to ask me to pay the amount I owed. 
He was very rude in using obscene and profane language towards me, This is a violation according to 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader He asked me when do you get payed. You owe and debt and you havent paid it how do you want to take care of this. 
This is another violation because begin to annoy me. 15 USC 1692 ( d ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

I then proceeded to ask for a supervisor, at first he wouldnt let me talk to anyone. Then he transferred me over to his lead name XXXX. 
When she got on the phone she never said anything about this is an attempt to collect a debt neither did the first guy I spoke with. XXXX began to be rude and started using obscene language towards me and begin to annoy me.This is a violation according to 15 U.S. Code 1692 ( d ) ( 5 ) After this call was over I was very disappointed in the way I was treated.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just reviewed a copy of my Transunion credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

I recently found that I have been getting a monthly charge on my paypal account from XXXX going back two years. I was unaware of these charges as the charge name said XXXX and I confused it with a different subscription I had been using. 
I tried contacting XXXX and they told me there is nothing they can do and I need to dispute it with paypal. I told them they can look up my account and see that I never used their service but they said it didnt matter. 
I tried to dispute the charge with paypal and they responded that there was nothing they can do either.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (TX)

Last year PNC bought my bbva credit card. I have Not received any statements from PNC. When I called in XXXX they manually generated one and said they would send more, that is the only statement I have ever received, they claim they sent them and it must be the post office, this is not believable that I would receive one manually generated statement and no others for almost one year, I have called multiple times with no resolution, I call every month to make a payment by phone only then finding out my minimum payment due. I asked for an address to send a written notice of billing errors and they claim they have no such address for billing claim errors.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/XXXX I opened a checking account with USAA # XXXX. On XX/XX/XXXX I opened a savings account with USAA # XXXX. On XX/XX/XXXX USAA froze both accounts without notifying me. When I called USAA told me that I had received 2 suspicious XXXX transfers that activated some algorithm which automatically froze the accounts. 
They said it was in the hands of one of their fraud investigators. The XXXX transfers were from my boss for expense money, and from a friend paying back a loan. 
I have called USAA numerous times, one the phone for over an hour each time on hold and jockeyed about between offices. I have requested that the accounts be closed, and a check mailed to me several times. 
I have asked to speak to the investigator numerous times, and the reply is they will give me a call back. I have spoken to one manager who told me she could not do anything the investigation would have to finalize. This was early in XX/XX/XXXX. 
I am a XXXX and my account frozen for fraud has been a direct defamation of character. 
In XX/XX/XXXX I missed several payments and lost service to important information. 
Here is the most salient fact " USAA is in direct breach of federal banking Laws '' illegally withholding my money from me past the statue allowed time.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, a family member was scammed on XXXX and they took her identity. They convinced me to give them {$1000.00}. They asked me to transfer the money. I realized what was going on while the transaction was still pending at the bank. I told them that I was scammed and they opened a claim. 
Today I spoke to them and they told me they could not do anything for me. 

XXXX and BOA said again I should transfer money to family and friends only and I did, they were scammed! 

I demand they protect me and others from online criminals and refund my money since I followed their rules.
Consumer complaint received 2022-05-14
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. (NC)

Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is XXXX  )
Consumer complaint received 2021-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AP)

My student loans state that I received a loan amount in the month that I graduated college XX/XX/2012 from XXXX  XXXX  XXXX. I did not get a check for that month as I was already participating in my graduation process. I have talked with the lender/and or school about the issues and was told that I did receive the check. I feel like there is fraud happening somehow.
Consumer complaint received 2022-05-14
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 believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds soon. Thank you and Godbless.
Consumer complaint received 2022-05-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.