davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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. (TX)

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

I am writing to request the removal of a collection account from my credit report. I have not engaged in any transactions with this collection agency, nor have I authorized any collections to be made on my behalf. It is imperative that this account be removed promptly, as its presence on my credit report is negatively impacting my credit score. I respectfully request that you cease all collection activities associated with this account and promptly remove it from my credit report. Your cooperation in resolving this matter is greatly appreciated. ''
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

We have tried to get this account closed so we can close the estate for over 6 months. The first request was never responded to by PNC until they sent the wrong paperwork. When we followed up, our paperwork for the estate had expired so we had to reinstate the estate. We sent that paperwork in XX/XX/XXXX. They posted as received on XX/XX/XXXX. Depsite visits to meet with XXXX, manager of the XXXX XXXX, MD branch and numerous calls the the Retirement call center, we have not received one call back from anyone and no paperwork. We asked that the call be escalated to a supervisor during every single call and all they would do is take our number and tell us that the two supervisors XXXX ( sp? ) and XXXX would call us within 48 hours. We never received a single call. After XXXX in the call center for retirement failed to provide assistance we called back and spoke to XXXX in the same call center who filed an executive level complaint ( XXXX ) - first call back was from XXXX left message and said on vacation for a week will get back to us later
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (GA)

XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-28
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. (NJ)

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX 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 120 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me 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 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2021-04-13
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: U.S. BANCORP (NY)

There is a mortgage reporting on my credit as a derogatory loan and I have never had a loan with US Bank - this account needs to be removed ASAP as I am applying for a business loan and this was flagged on my credit application. This must belong to someone else. I tried to call and write with no success.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Express Collections, Inc. (TX)

the orginally debt was with smales sales and lease started XX/XX/XXXX for total XXXX smale sales and lease removed the negative enrty from my XXXX credt report on XX/XX/XXXX. 
on sunday XXXX express collection was added to my XXXX  credit report with the incorrect balance, incorrect balance date, inccrect orignal balance incorrect date opened and incorrect payment history
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a mother of XXXX and I was recently XXXX. I was unable to add money to my account for three months, and Bank of America kept charging me a {$4.00} maintenance fee even though I called them in XXXX and asked for my account to be closed or frozen due to financial hardship. The banking specialists said I was unable to do this and so I Updated my pin and got a new bank card as soon as I started working to deposit my funds into this existing account. I was charged a maintenance fee of {$4.00} for three months. My account went negative into {$14.00}. I just started working as an XXXX XXXX and deposited my check that I waited 3 weeks for, my family really needs this money and I figured I would use the account with Bank of America and fix that negative balance caused by theyre unwillingness to help me when I was facing hardship. After my check was deposited and I confirmed the deposit amount through theyre ATM, I was told I had to wait an additional twelve days to use {$940.00} of my check. Only able to use {$200.00} and I only get paid biweekly. As a mom of XXXX I begged them to please release it on XX/XX/19 inside the bank itself and was told it was unfortunate and that it was unfixable. I receive no form of assistance at all because I do not qualify and this really hurt my family, my husband has gone through his savings trying to keep our heads above water and we still have bills to pay. I understand if I was being negligent and withdrew money I didnt have but it was the bank itself withdrawing money after I told them I was facing hardship due to unemployment.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I was sent an E-Mail by Discover Card Services letting me know that my account was being closed due to inactivity on the account. No questions asked, per their E-Mail, " the decision to close your account is final. '' My account balance is and has been {$0.00} for quite some time and I have never been late on this card, or late on any other debt on my credit report for over a decade. My FICO " was '' XXXX prior to this account closure. The E-Mail says XXXX which I believe is considered GOOD credit. 

For the past year, my family and I have been in the process of building a home. The first thing my lender said upon pre-approval was to immediately stop using credit cards or ensure that my existing balances do not increase to keep my FICO scores elevated. 

I am in pure shock that I am being punished by Discover for inactivity. Prior to paying off the account and entering into a purchase contract for our new home, I used the card to take advantage of their offers like any other consumer would. 

What frustrates me is that this will now lower my available credit thus damaging my FICO score. In other words, I am getting punished for being responsible and doing the right thing to ensure we can procure financing for our new home. This decision, will most probably result in a higher interest rate on my mortgage and I have done nothing irresponsible with my finances to deserve this, quite the opposite. 

I will note, that their findings state other factors that are absolutely not true. 

- % of balances to credit limits is too high on revolving accounts ( As of this writing, I am at 26 % of my limit on revolving accounts and my current FICO score substantiates this ) - Length of time revolving accounts have been established ( Yes, I have opened new accounts within the past two years but again, low balance to credit limit, no lates, good FICO score ).
Consumer complaint received 2023-06-25
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. (DE)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-07-20
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: General Motors Financial Company, Inc. (TX)

XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (TX)

XXXX, XXXX, Experian You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
Consumer complaint received 2023-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TN)

Back in XXXX of XX/XX/2019 there were 5 cases opened on my PayPal and there was a negative balance placed on my account. The party that has been trying to get this resolved ( XXXX PayPal account ) contacted XX/XX/XXXXand PayPal to see why the charges were returned. XXXX XX/XX/XXXXstated that the account was flagged in fraud and PayPal reversed the charges causing the negative balance. XXXX XXXX ( XXXX ) stated the account should have never been flagged for fraud because the charges were valid, the only thing that should have been flagged for fraud were the security charges for the credit card she never signed up for. XXXX XX/XX/XXXXrefused to put the charges back on the account and to contact PayPal to have the negative charges removed. PayPal refuses to remove the charges as well. I have proof that the other party has sent in complaints to get this fixed. This balance is not mine and I do not claim it. I want this removed from my account before a harassment suite is filed, attached are the different phone numbers PayPal contacts from and the proof that the charges should have been removed in XXXX because I have buyers protection. My PayPal account ( XXXX ) does not owe this balance and I am not responsible for these charges. I want the harassing calls and emails to cease. Trying to collect on a balance that is not owed by the party is illegal. PayPal has breached the law, and a harassment suite will be filed if these charges are not removed immediately.
Consumer complaint received 2019-07-13
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. (VA)

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the XXXX  XXXX. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}
Consumer complaint received 2019-07-13
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. (CA)

XXXX  and Equifax are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof.

I have 2 accounts that have not been properly verified and are still being reported on my credit report.

1 account is for {$610.00} and the second account is for {$4100.00}.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a letter threatening to send my account to an attorney. The letter was demanding full payment without providing proof of debt owed. The letter threatend to garnish wages, bank account, and or seize property. 

My family ( Mother, Father, Spouse ) and I have been contacted by XXXX XXXX XXXX   many times and been threated with taking me to court if I do not respond within 24 hours. They have left messages on my phone which have frightened my children and my parents about a debt owed. Once these practices stopped I have received nothing until I received this letter by XXXX next day air with yet another threat to sue.
Consumer complaint received 2023-07-05
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

PNC Bank online banking does NOT allow for payments toward principal to be applied on a scheduled basis. They require us to remember to go on their website portal, log in, do the principal payment every single time we need/want to, which is a waste of both our time and money!!! There is NO WAY to set up a scheduled automatic payment to principal, which is a sneaky way for them to get more money and NOT be working for the consumer ... even though they already make thousands in interest every year on my loans and m/billions of $ $ from all of us! Last I checked, it's XXXX, but their online banking set up is barely from XXXX! There should be a FEDERAL LAW that REQUIRES ALL BANKS to allow for scheduled Payment to Principal payments in any/all of their online loan payment systems ( allow Monthly, Bi-Monthly, Weekly, Bi-Weekly, or however " XXXX % & $ # '' frequently we want to make the payment - it's an automated thing so no humans are involved in doing the transfers, so it shouldn't be a big issue! ) Thank you for pursuing this issue!
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.