davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent XXXX XXXX a letter asking for validation of this medical bill on XX/XX/2019. The FCRA gives them 30 days to respond, It is now XX/XX/2019 and I have not received any correspondence from them. I have also contacted the credit bureaus asking for validation and proof of this debt and they didnt send the results either. I never signed a contract with XXXX Outcomes giving them permission to receive my medical information. This is a clear HIPAA violation
Consumer complaint received 2024-03-01
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-25
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. (CA)

This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders minorities from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened several new accounts at Bank of America on XXXX XXXX in XXXX TX on XXXX XXXX, 2022. On Monday, XX/XX/XXXX I went to my previous bank and closed my account and got the money XXXX} in a money order. I took it to Bank of America and had it deposited at the teller inside. I was told that I would see the money on my account within 24 hours. I checked my account online the following morning and I saw the deposit and that the entire amount had been placed on hold until XX/XX/XXXX. I called customer service and spoke with 3 people, including a supervisor, and they told me that they could do nothing. Then I went to the branch this morning and spoke with a banker ( a gentlemen ) and he told me the same thing and that because I had signed a deposit agreement, that was never explained to me and I was not given time to read, that I had agreed to allow this to happen. Now I am without nearly XXXX  for over a week and I had to borrow money from my fiance to get my account out of being overdrawn. I would like the hold released and to have access to all my funds ASAP.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # XXXX - US DEPT ED Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX  XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a phone from Portfolio Recovery Associates regarding a debt they said I owed XXXX XXXX they said they account was open XX/XX/2011, the collector also informed me because of the age of the account they could not suit me. I told them I didn't open an account with XXXX  XXXX in XX/XX/2011 and I requested a Validation of debt, I never received anything. Time passed and they call again and again I requested a Validation of debt and I were disputing the charges. They send a statement saying they received electronic records from XXXX XXXX. I disputed the charge with the 3 credit  bureaus and XXXX XXXX XXXX still would not remove this from my reports. I recently send a written requested for Validation of debt. Also they are re-aging this account. I informed them that I was aware of my rights as a consumer, and it was a serious violation to re-age accounts.
Consumer complaint received 2022-08-26
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX 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 and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX  this 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC on XX/XX/XXXX assessed over {$100.00} on my account due to transactions that posted on my account on the same day, but were backdated and reordered on my account. I was not notified of any overdrafts until XXXX XXXX XXXX this XXXX and by this ppint I was already charged {$100.00} dollars in fees with no way to correct the overdraft. I called PNC and attempted to get the overdrafts credited, but I was steadily rebuffed by a customer service rep and a supervisor who told me there was no one else above her and I needed to go speak to a branch manager to go to a higher level. The branch manager seemed confused as to why I was told to speak with her as she was as limited in this capacity as a customer service rep. I was told to contact her regional manager and that again there was nothing that she could do to further assist me. 

At this point I am completely fed up with PNC and their attempts to charge me overdraft fees. I am constantly told by them about their " processing '' at odd times of the day, but if I as a consumer don't see these processes until the next day it seemes incredibly unfair to charge me overdrafts fees for transactions that show on my account the same day.
Consumer complaint received 2021-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX and Experian Scheduled payment amount reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian will not allow me to upload the documents online. XXXX and Experian is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2018 I received a letter from Experian report # XXXX stating that pursuant to section 611 ( a ) ( 3 ) ( A ) of the FCRA they will not re-investigate the same dispute again at this time. 

The creditor agency intentionally reported my address incorrectly. My address is XXXX XXXX XXXX XXXX CT. According to the FCRA 623 information furnisher have the obligation to report accurate information Rule 660 pertains to information furnishers and their duties under the Fair Credit Reporting Act U.S.C 1681. 

The disputes against XXXX/XXXX XXXX  are not irrelevant. Experian had inserted duplicates of the same account information previously disputed. Thus re-aging the accounts and date of first delinquency, collection dates and time since negative. 

The FICO score report indicated that the account was re-aged. Experian did not have reasonable procedures in place to prevent violations of the act FCRA 623 ( a ) ( 1 ) ( c ). 

Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ). 

CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report.
Consumer complaint received 2021-10-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are reporting incorrect address, incorrect year of birth, incorrect public record on my credit report. 

XXXX  is reporting I lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX plus they are reporting my year of birth as 1968 which is incorrect. 

Transunion is reporting incorrect addresses and incorrect public records. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX They are reporting I have two incorrect public records on my credit report. ( Bankruptcy ) XXXX XXXX has a security freeze and a dispute for the same information. However, they have not responded with the 15 days which is XXXX I will take all three credit bureaus to court to further assert that the debt is not mine and the consistent inaccurate reporting is a Federal violation of my rights as a Consumer. This is my final level of trying to resolve inaccurate reporting issues.
Consumer complaint received 2022-08-26
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (GA)

I wasnt given proper notice of how much the bill would be and my insurance was suppose to cover the amount and the company didnt provide accurate information of how much I have to pay out of pocket. This bill is not accurate and they did not give proper notice to the consumer before the consumer decided to utilize the service performed. I'm asking for this information to be removed from all credit reporting agencies.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (PA)

On XX/XX/2019 I was notified that XXXX XXXX XXXX placed a hard inquiry on credit report. I did not know the screen I clicked on would have a direct impact on my credit. 

I chatted with XXXX support immediately and was told that the case/issue would be escalated within 24 hours. I received an email back saying they had nothing on file and please reach out to XXXX XXXX XXXX ( XXXX XXXX ) XXXX and they will have no problem with the application cancelation. 


Called on XX/XX/XXXX XXXX XXXX  - 7 Minutes - Kept telling me they have no record of any application or an account with them XXXX XXXX - 10 Minutes - Kept telling me they have no record of any application or account with them, I asked to be transferred to a supervisor but the call was disconnected. 

XXXX XXXX - 15 Minutes - Spoke to supervisor telling me the same thing, no account on file and no application submitted. She requested I speak with the credit bureau ( Experian ). 

On XX/XX/XXXX XXXX XXXX 14 Minutes - I called and spoke with Experian in regards to this they told me to contact the bank and XXXX using the numbers provided. On the file it shows a number for XXXX but that number doesn't take you anywhere its a endless loop of nothing and disconnects. 

XXXX XXXX 10 Minutes - I asked the representative to please notate my account but she also there was nothing that could be done and I need to speak with the bank in order to get the inquiry removed. 

I am unable to get a straight answer from XXXX about getting this inquiry removed. They do not have an application on file so it does not exist.