davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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)

I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : Experian Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}. 

We have some additional credit card accounts, but there is XXXX- balance on them, and has been that way for years. 

I have contacted Experian previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (OK)

Ford Motor Credit you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you Ford Motor Credit are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (PA)

On XXXX, 2021, PNC bank locked my checking account and removed all my funds in it. They did it because they believed that there were some fraud XXXX XXXXransactions to my account. However, they did not provide me any other information, for example, the exact transaction that they believed was fraud. And when my bank account was closed, there were {$4400.00} in it. According to my own investigation and PNCs response, there were only {$1900.00} of all my funds was claimed, and the rest of them were not claimed by the sender. However, I have contacted PNC from the day my funds were locked till now, and they refused to return my funds without any documented reasons. I just hope to get my funds back since I know that not all the funds were claimed by the sender, and PNC has no right to hold and use my money for any actions.
Consumer complaint received 2020-12-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have received multiple phone calls from a private number. They advised me to contact them at XXXX XXXX XXXX. I contacted them after the second message was left in early XXXX I asked them not to call me again. They called a again in XX/XX/2020. The messaged stated they would contact my employer, that they proceed without Due Process of Law, and they would find me. They said they are contracted to do this with the State of California and County of XXXX. They said I will have to pay additional court and attorney fees.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Management Company (PA)

Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACCESS GROUP INC. (CA)

The XXXX website ( XXXX ) is non-responsive, and that is where I make my student loan payments. For several months I have attempted to make student loans and have been assessed late fees because the loan payments have been made after a deadline. This is not fair, because I have attempted several times to make my payments online but their website is not responsive.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX at about XXXX I noticed a strange charge on my credit card statement. It was generated from XXXX XXXX XXXX  in the amount of {$21.00}. After calling XXXX XXXX at XXXX I was connected to a person who identified him self as " XXXX '' who proceed to inform me that the charge was due to singing up for a service I don't remember agreeing to. ( XXXX XXXX XXXX ) So  knowing that one can lock or un-lock one 's credit free of charge I asked to cancel where I was informed by XXXX that I can NOT DO THAT and if I cancel he will unlock my credit that I already locked almost one year ago. I then asked to speak with a supervisor which I was denied told that one is  NOT available. I then assisted in canceling and was supplied with a conformation # XXXX followed by an email. I then recorded all information, including his name on a hand written note and proceeded to further investigate. 

I soon learned that Transunion has many, many complaints generated over time posted by people who complained of similar issues. 

Note I also have an email of my cancelation from Transunion
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

These people have called multiple times. I have already told them I am the wrong person, but they keep calling me. The phone number that called me was XXXX and had an automated machine saying I had to update my business info on XXXX. I called the number back and it directed me to https : //www.portfoliorecovery.com/.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

We opened an additional checking account in XXXX of this year at US Bank. This is one of many accounts we have there. At the time of opening, I specifically asked the rep if there would be any fees on this account, and she stated no fees, due to the " package '' we are in. We have discovered they started charging us inappropriately since XXXX, and they only will reverse one month of fees, instead of at least 4 months of fees. This was not our fault, and we were lied to. 
I want all fees since XXXX reversed.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MN)

I recently applied for an installment loan and I used my Citibank savings account to receive my funds. I received an initial deposit in the amount of {$700.00} to ensure my account was active as well as to receive an additional amount that I was approved for which was {$5000.00}. Unfortunately, I could not access my account and I reached out to Citibank to get an understanding of why this was happening. I did not receive any details about my account being closed. Once I spoke with someone from Citibank I was told that the fraud department is closing my account because the check that the lender deposited into my account was not authentic. I spoke with the lending company and I was told that the information my bank is giving me isnt true. I also used that account to receive my tax refund, and the bank is telling me that I have to wait 30-60 days for my account to be closed. And an additional XXXX days to receive my funds. I do not understand this at all because I was also told that regardless If the check was fraudulent or not my account will still be closed. I also tried to fix the issue as well as transfer my available funds to a different account but the bank is denying my request. I do not have any cash and Iam facing a financial crisis at this moment. If the lender did in fact deposited a fake check that has nothing to do with me! I did not request to have my account closed. I can not log into my mobile banking app to change anything or get details about my account. I do not think this is right or fair to me as a customer. I have also had this issue with the same bank in the past and the funds that were in my account were never sent to me. I need to get to the bottom of this issue asap because I believe the bank is stealing my money. Please respond to me asap to discuss this situation and help me resolve the issue with my bank. Thanks
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Hey I want to get Caine & Weiner collection removed from my credit. Was not authorized by me so I sent papers in to them asking them to move collection still havent removed the collection for me.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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 2022-03-03
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. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

Charges dont add up. Some bills say More some bills say less. This company didnt allow me the opportunity to pay they just ripped the car away from me knowing I got sick with XXXX treatment and other medical and mental health I offered to pay what I can I could no longer work at the time and when I communicated they didnt care. The guy told me Im sorry but Im not the one thats sick no offense so I hung up the phone. How can this statement not be offensive. I have too many issues to deal with this unfair treatment check voice recordings arent all calls recorded? They are liars.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MO)

The debt had been settled back in XX/XX/2015. I had a cell phone with XXXX that was retirned. The only one I had left i paid my bill as normal, then switch to another company XXXX and have been with them ever since. It showed up on my report after I filed for bankruptcy. It was put in XX/XX/XXXX. They are steady try to collect on something that is uncollectible
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
Consumer complaint received 2018-12-14
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. (FL)

My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
Consumer complaint received 2022-06-18
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. (FL)

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXXy Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Acc # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 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 XX/XX/XXXX 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 ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Consumer complaint received 2022-03-05
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. (FL)

On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of Trans union is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-05
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: MoneyLion Inc. (GA)

Money Lion has an account reporting to XXXX, XXXX, and XXXX for a charge off. I have only taken two Money Lion loans which were paid in full. An additional loan was taken without my knowledge or consent in my name. I am a victim of Identity Theft/Fraud. I have had the alert previously removed from my credit file as it prevented me from accessing my own credit file and I don't authorize any alerts being added. I only authorize removal of the account that is not mine or authorized my me opened around XX/XX/2020 per the credit report listing. 
My information has been involved in multiple data breaches including but not limited to XXXX.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (ME)

Received a care credit card. Dr office accidentally charged interest on an interest free card. They called care credit to fix the issue. Care credit assured me they fixed the issue. However, they also noticed a security fee was charged in the amount of XXXX so they advised it will be fixed and gave me an amount In the XXXX amount. However, I can not get an accurate bill after 2 months of trying to fix the issue. Yet they want me to pay a bill with an incorrect amount. Need a corrected bill. Notations are in the system as well as the recording of the calls. I want a correct bill so I can pay my bill properly.
Consumer complaint received 2022-03-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.