davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XX/XX/2020 XXXX  INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE 698 AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS.

ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT XXXX  FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

XXXX  HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

TRANSUNION AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

XXXX  NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

For some reason, the last day I was able to get my Credit score and Report was on XX/XX/2022, after this day my CREDIT REPORT WAS WIPED OFF. No credit score, no credit report. The next day it shows One account opened. I called several times to find out what the issue is and to file a complaint about it. The only thing the Reps and Supervisors did is to file a report and they will send it to technical support. Today XX/XX/2022, my middle name was changed, so what happened? Called and spoke to XXXX and he will file a report to update with the right personal information. 
XX/XX/2022, Spoke with Supervisor XXXX, he said will file, fill out a Form request and send it to the Technical dept. He reviewed my credit report and mentioned that for some reason my credit report is available thru XX/XX/2022, then everything is Blank, and has no explanation as to what happened. 
XX/XX/2022, per XXXX XXXX recommendation to close my account and reopen it, she said that might help, but still same issues, NO CREDIT SCORE, NOT A SINGLE ACCOUNT ON MY CREDIT REPORT. 
On XX/XX/2022, I spoke to XXXX XXXX, to check the status of my complaint, so after being on hold for 6 minutes she asked for my personal information and a Supervisor who will call me back, SO NEVER HAPPENED. So, every time I called them, I'm just back and forward, and Experian not able to help. Their system and technology are vulnerable to anybody and can make our lives as consumers MISERABLE if our information when into the wrong hands. As a consumer I expect, demand and EXPLANATION, FIX THE ISSUE, and to be COMPENSATED for all problems they are causing, including my frustration, health, and time spent.
Consumer complaint received 2022-03-25
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. (FL)

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, XXXX and Experian. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-11
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: Bread Financial Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with NCA ( National Credit Adjusters ) and XXXX XXXX. They have failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. Thank you for your time.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I have tried XXXX different times, twice in person, to close out these accounts since my bank was purchased by PNC and is a mess. PNC has failed to close my empty accounts in an effort to levy fees and continue to earn off these accounts. I dont use them, I dont need them and I have transferred all my money to a real bank. I need these accounts closed. I went in person in XXXX and XXXX and they have failed to still close the accounts and will start charging me for insufficient funds.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (OH)

I'd like to complain about the fraud monitoring process for this credit card. 

I had a fraudulent charge on my PNC credit card. The company is investigating the matter further in their internal system. I asked the company why there was not an alert sent regarding this charge and asked to speak to someone on the matter. I was told the charge did not warrant a large enough risk score for their algorithm for alerting me. 

The fact is that this charge was to a vendor never before used by me, in another state far from my residence, for a rather large amount for a one time payment. The risk scoring methods seem misaligned as regular charges in my credit card report are called for alerts but this one-off spending habit does not. 

I have used this credit card company and have had fraudulent charges arise before. In none of these prior cases and this one has there been relevant alerts for the types of charges.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my Transunion, XXXX, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

I applied for a 0 % interest card with balance transfer offer with american express. I applied online and received immediate approval and the transfer offer. Once I transferred over 2000 dollars and went to make a payment I had interest charges. I called and they put in a dispute, the girl I talked to said I wouldn't be charged any interest while the matter was looked into. They decided since I already have one of their cards that I wasn't eligible and added all the finance charges back. Had I known this I would have borrowed the money and paid it off. I never would pay that amount in interest, I pay all my cards off every month. They only removed the highest interest charge but all the fees add up to almost 200.00.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX my XXXX was deposited to my Bank of America account. I was able to withdraw {$1000.00} at which point my account was frozen. I called customer service and was told to go to a branch and withdraw my money. I went and was told I must wait 24 hours so I did at which point I went to the bank and was told I must now wait 5 days for them to decide whether they were leaving my account open or closing it. At this point my ppp money meant to save my struggling business is locked in an account. This bank should be out of business the way they hold peoples money whenever they feel like and make you wait until they feel like giving it to you
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

My account opened on XXXX, after 3 years ask me send in my Drivers license and SSN card and documents for verification, all those copies? all those documents can be required when I am opening a new account may needed, also I dont think giving anybody of my SSN card copies and may documented other then Government department is legally, Instead of last week I verified my account many times throw text messages, phone calls, and go in to the store with my photo ID, my account was back to back locked, This is not for customer account protection, May I know is that happen with every customer account holder? I have just cleared my balance on my account, and Im sorry I dont feel comfortable to sending all those documents to Nordstrom in the mails.please have someone contact to me, I may choose to close my Nordstrom account.

also just checking I did not missing payment, why put a 30days late payment alart on my credit reports on XX/XX/XXXX.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio (AR)

The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022 Navy Federal garnished payroll wages for over {$1600.00}. Navy Federal representatives we're contacted on XX/XX/2022, one by live chat, the other by phone, the one by phone had no information and could not explain why over 1/2 of a paycheck was garnished. The representative stated by phone he could not see where the money went to or why. The online chat representative only gave a number to the account resolution department and also was not specific on why a large amount of money was kept from me. My Navy Federal account shows $ XXXX taken for an " adjustment '', no court order has been placed to garnish wages for this credit card debt with Navy Federal . I have tried in the past to create a payment plan with Navy Federal, however, Navy Federal requires I pay thousands up front in order to begin a high dollar amount payment plan. Navy Federal garnished my wages without warning or order.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Tribal Lending Enterprise, Inc. (MI)

I have continued to receive communications by e-mail for several payday loan companies saying I still owe money which I went through a payday loan relief company to payoff any that I did have and that has all been completed over 2 years ago. I feel as this whole scam of payday loans is unfortunately somehow allowed to continue as they probably figure that people forget and will probably give up and pay what they say. Also my husband and I went through bankruptcy which was completed last XX/XX/XXXX and there were some loans that were applied in the bankruptcy but the companies never pursued in a timely manner with the bankruptcy rules and then were not included. I must admit all of this is very confusing. The payday loan relief company we went through was XXXX XXXX XXXX, phone XXXX and at that time XXXX was the person handling our case. Everything was paid in this plan. XXXX had a Revocation of Authority to Contact Third Parties and if any companies tried to do this it is considered a violation of the Right to Financial Privacy Act, 12 USC 3401. Just as a note ; GOVERNMENT ACTION Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc.,  and Majestic Lake Financial , Inc. Case # XXXX <P/>The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. <P/>The case is currently pending. <P/>Thank you for reviewing my information :
Consumer complaint received 2019-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NY)

This is regarding XXXX and the " newest '' collection agency that they're using-4th one in almost 3 years. The name of the newest one is The Collection Firm of Franklin Collection Service , Inc. in XXXX, MS XXXX XXXX has a known habit in disposing of one collection agency and moving on to another when they don't get their way. This one, however has offered a {$74.00} " discount '' if I pay the bill-they state that I owe {$240.00} which is false. 

I returned equipment at my expense XX/XX/XXXX and was informed that I would have to pay an early cancellation fee which at the time was {$350.00} yet when I moved from one home to another " in the same area '' I was told that no fees are applicable which I knew as it was just a transfer of service. 

After this they decided to implement the above fee but it was changed to {$480.00} and the total they were trying to obtain was {$650.00} which I knew was wrong but ... .they even tried to bill my credit card for {$650.00} XX/XX/XXXX without my permission but luckily the bank denied it. 

I've paid them {$410.00} as of XX/XX/XXXX and they owe me money for falsely adding premium channels at {$53.00} a month which I never authorized or ordered-they did this automatically. 

They're determined to get {$650.00} and at this point I'm realizing that no one will ever assist us people who have been ripped off by XXXX, they're not on this site either-they have too much power and every day I pray for someone, anyone to bring them down once and for all. 

This problem should have been resolved a long time ago and I should have received a refund from them but I haven't and now another collection agency has contacted me asking for {$240.00} and {$170.00} if I accept the discount. 

Again, I paid them {$410.00} which is over the {$350.00} early cancellation fee AND again, they added those premium channel fees at {$53.00} a month. 

I wrote to them so many times, to various addresses that they use. They continue calling me as well from various area codes. They have NEVER replied to my correspondence and I have finally stopped writing to XXXX. 

Thank you for your time and please help us from this deceptive, lying company once and for all. There are so many others in the same situation as us. 

Thank you.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a line of credit with Capital one. They sold the debt to a company, " XXXX XXXX XXXX  '' They reserved the right to sell or transfer the debt. However, they never updated the contract with me to them. I am in a written contract with Capital One. They never updated the contract, therefor the contract and debt is still attached to Capital one, XXXX XXXX XXXX  simply owns it. I am therefor not required to pay XXXX XXXX XXXX, Contractually, or legally. They are holding my credit hostage and do not feel that this is a fair arrangement to wait an additional 3 years for it to fall off my credit report.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Charged {$74.00} and then {$34.00} for 3 days totaling {$170.00} in fees then an additional {$25.00} fee. This was a bank mistake as I had previously asked for my card to not accept charges of balance is not available. In addition, no where in my agreement with the bank did I agree to being charged multiple fees for same day transactions. They are taking advantage of me by charges multiple fees for the same day of being overdrawn. I was never notified by text or email that the account was overdrawn so I never had a chance to fix it. They sent a letter in the mail which took a week to arrive. I have gave them permission to text and email me so why would they not communicate as soon as this issue has arrived.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/25 XXXX, XXXX, XXXX Thief got access to my account through unlocked phone and unlocked capital one app account and XXXX  herself these amounts. I reported the transactions the same day. Capital one refused to refund these amounts to my bank account and now I am left without this money. I have been with them for years and have never had to file a fraud claim until that day.
Consumer complaint received 2021-11-17
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RC ( Original XXXX XXXX XXXX XXXX ) : has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.