davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This company has been harassing me for over a year. The first letter I received from this company was sent in XX/XX/2020 and they are still relentlessly sending me letters. They are also reporting inaccurate information that is not mine on my credit profile. I do not know where this debt came from, and I have requested that the company refrains from contacting me- but they still call me constantly at inconvenient/inappropriate times of the day and night. They're representatives have used abusive and threatening language on several occasions. This debt has not been validated and could very well be a result of identity theft. the letters that have been mailed to me have inconsistent balances and incorrect names. I have proof of said letters and phones calls attached that contain the inconsistent and inaccurate information.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of the Bank of America issue with the XXXX freezing accounts I have spoken to him for the past five months and I still have not gotten help and I have nearly giving up it's so hard especially everything is going on not only did they freeze my account and whatnot also money was taken from my account from a XXXX XXXX  account and I try to make the attempt to figure out who was and with cash at the only let you message him to the inbox when you use your own account while I didn't steal any money for my own card so course it can't help me and isn't XXXX number anyways I have told Bank of America I need to get my money they have XXXX my money and I want it and they won't give me my funds either hang up on me or the transfer to different apartment at saying that we can not assist me and XXXX said that they did their part that my sponsor which is XXXX needs to do their part and I've been waiting every since XXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NJ)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NJ)

early warning tried to open account and I'm reported on there printed out form never heard back. called as well. you can not dispute online what a waste of time filling out and the company never responds sent 2 times. 
this company is a scam they have awful reviews. 
next step XXXX  and attorney general and post on social media.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023 between XXXX and XXXX, I had a group call with my two aunts and myself to Citizens Bank regarding obtaining the payoff balance on my credit card. The Citizens Bank agent quoted us a payoff balance of {$2900.00} since we told her that we would be stopping into our local Citizens Bank office the next day to payoff the balance on the account. We went into the Citizens Bank office on XX/XX/2023 and gave the clerk Check # XXXX in the amount of {$2900.00} paid from my aunt 's bank account ( I reimbursed her in cash later ). The Check for {$2900.00} posted to the credit card on XX/XX/2023 and then on XX/XX/2023 I received a credit balance refund from Citizens Bank to my credit card account since we actually had overpaid the balance on the account. I did not use this account at all since the date we paid it off since we were paying it off so that I would not use it again until I really needed to use it. Then on XX/XX/2023 Citizen Bank added interest charge-purchases fees of {$9.00} to my account and also closed out my account so that I could not even use it if I wanted to. I have no idea what the {$9.00} in interest charge-purchases are for since I did not make any purchases nor did I have any balance on the account after receiving the credit balance refund from the bank on XX/XX/2023. This error is affecting my credit rating and according to the FCRA requirements, Citizens Bank needs to accurately correct the credit reporting of my payment history on this account and not show it as a charged-off account since I paid the balance off in full and was intending to use this card in the future before they abruptly closed out the account. Please have the bank correctly show my balance as paid in full {$0.00} as of the date we paid off the account ( XX/XX/2023 ) and have the bank update the credit furnishing data for me to the three major credit reporting agencies so that it does not show me as being delinquent or having a charged-off account since that is not accurate. I should not be owing a balance of {$9.00} for any reason and that must be removed from my account since it is also not accurate.
Consumer complaint received 2021-07-22
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. (DC)

My complaint is about XXXX  credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX XXXX  card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course XXXX  ran with the negative without having any facts. I first saw a Dr. XXXX XX/XX/XXXX when the doctor declared me legally XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX  and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX XXXX told me this was a self surrender not a repossession. But of course XXXX went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always XXXX  went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

XXXX  has done the similar things with my credit score and report. Not reflecting the correct accurate information like XXXX is doing. XXXX is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant see to drive anymore. 

With Experian they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with experian my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

My complaint is about XXXX  credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX XXXX  card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX transunion would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course XXXX  ran with the negative without having any facts. I first saw a Dr. XXXX XX/XX/XXXX when the doctor declared me legally XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX  XXXX  told me this was a self surrender not a repossession. But of course XXXX  went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always XXXX  went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

Equifax has done the similar things with my credit score and report. Not reflecting the correct accurate information like XXXX  is doing. Equifax is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant see to drive anymore. 

With XXXX  they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with XXXX  my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX I paid off this account past the initial amounts to find that I occurred interest due to department changes within the company to make further company demands of interest charges. I paid on time to find that this account kept getting late fees when payment were made.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion received several complaints regarding a fraudulent trade line from XXXX XXXX XXXX. They refused to block the XXXX by refusing to cooperate with FCRA 605 B
Consumer complaint received 2022-12-01
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. (KY)

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. 

Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectors must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 )  of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. 2010 ), granted summary judgment to Jones, holding that XXXX violated Section 1692g ( a ) ( 1 ) where XXXX stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , 2013 U.S. Dist. LEXIS 124075 ( M.D. Pa. Aug. 29, 2013 ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX 2. Account name : XXXX Account # XXXX 3. Account name : XXXX XXXX XXXX Account # XXXX These accounts have 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 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 7 years. 

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.