davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

i sent a personal check to the united states treasury for XXXX for taxes on XX/XX/XXXX. the  check came back in my bank statement so i assumed the united states treasury received. on XX/XX/XXXX i received a letter from the united states treasury stating they never received my check. i called them on the XX/XX/XXXX and gave them the check number ect. apparantly the check was fished out of a postal mailbox and cashed at XXXX XXXX XXXX on XX/XX/XXXX. my bank is pnc and that is where the money was drawn from. i went to the bank and they have a fraud claim in. i went to the police and they made a report. i went to the post office and they have a fraud claim in. i contacted the us treasury and sent them all this imformation. meanwhile i now owe the treasury more with taxes and penalties, i have not heard anything yet and am i out this money or will the bank make good for this.? i still have to pay the treasury department. any imformation you can give me will be helpfull.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In the past 12 months Bank of America has charged my accou nt $     XXXX    *15   t imes. In a majority of the cases Bank of America will hold larger debits run the lower amounts charge me a fee and then the larger amounts will bounce because of the fees that they take out of my account. This month alone it has happened 3 times.     I transferred {$200.00} to cover my car paym ent on  X/XX/2017 . There was a credit pending on my account for {$38.00}. Bank of Am  erica held the credit of {$38.00}. Charged me a {$35.00} fee and the {$200.00} carpayment rejected. While some of these fees are legitimate as I am a single mother - recently divorced and experiencing financial hardships- the amount of fees charged on my account has been the cause of other transactions going into NSF status. They have taken so much money out of my account making my situation so much worse.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2019, we found out we have a plumbing problem in our home. The company we were using to fix the problem submitted the information to Synchrony Bank which denied us credit. I called them but was unable to get any information as to why we were denied. We already have an open account with a {$6000.00} credit limit but we've been told it can't be used for the work that needs to be done which will cost {$4500.00}. We also have an open CareCredit card that's in use with no late payments. Both are with Synchrony! A letter was written to Synchrony for information as to why we were denied. Their response is confusing! We requested and got our credit reports from XXXX. There's nothing negative on it. We've never been late with our payments. We also have our credit monitored by XXXX XXXX and there's nothing negative with XXXX  or XXXX. Our latest credit scores are 773+. We have copies of the credit report if you need them. I don't want to apply to another company until this is resolved.
Consumer complaint received 2019-09-15
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: FACTUAL DATA CORP. (TX)

I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account
Consumer complaint received 2022-04-03
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: EQUIFAX, INC. (NY)

Equifax refuses to investigate nor verify authenticity of the XXXX XXXX account on my report. There are many missing details that are legally required to have provided on the report. The account status and available balances and credits are incorrectly reported. There are several missing on time payments of over {$500.00} that are not being reported. Have listed details in the attachments yet Equifax continues to commit credit fraud.
Consumer complaint received 2022-04-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VYSTAR CREDIT UNION (FL)

I accrued late payments on my credit report due to the Covid-19 pandemic, after returning to work, all monies due were caught up. I have continued to make payments timely. I am looking to remove late payments remarks as it was a result of job/hours decreased due to pandemic. 

The company is Vystar Credit Union for XXXX XXXX XXXX. XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Late payments were 30 days late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

This bank is horibke Im a loyal Credit card holder but at the time I applied I did not qualify and was told a secured card would be a good option Ive opened it and keep it in good standing pay on time and its over a year and they wont graduate my account and refund me My deposit they lied to me
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (NY)

Citi credit card company is the worst! When i first applied for the card back in 2021 my credit was good. I just closed on my home. They gave me XXXX to open the account. They requested to see my income documents to open the account. After about XXXX  days they open the account with a measly {$500.00} limit. I kept the card i proceeded to never miss a payment. A few weeks ago I paid the card off in full. They email me today saying they reviewed my credit and decided to lower the credit limit!! Lower than the original {$500.00}. In these hard times XXXX can someone do with a {$300.00} limit! I canceled the card! This is an outrage!
Consumer complaint received 2022-04-03
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a string of emails on XX/XX/22 that indicated that I applied for and was approved for a Bank of America XXXX XXXX Banking Account Confirmation number : XXXX. 

I did not apply for or approve this account On XX/XX/22, I spoke with the Check Fraud department at Bank of America that stated that I was a victim of identity theft. An account was successfully opened in my name and they would close the account and send my emails and paperwork in the mail to confirm. They were VERY helpful. They also advise my to place a freeze on my credit with all XXXX credit reporting companies and to file a claim with the FTC.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been disputing XXXX XXXX for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score 97 points .. I have disputed this numerous times and it was supposed to be taken care of along time ago
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (KY)

I made my purchase around XXXX of last year ( 2021 ) and realized at some point they were reporting that I was missing payments everytime Id make a payment. Basically, they were claiming my payments werent going through, but I could clearly see that they were. In turn, Id have to make another payment on top of that payment or Id end up owing an extra {$100.00} more in just a few days prior to having made the payment. Just a little over a month or 2 ago Im almost positive I had the payoff amount down to somewhere around $ XXXX {$400.00} but It mysteriously shot up a little past {$900.00}. I made a double payment back to back and was down to about {$700.00}, again they claimed I missed a payment, and a few days later its posted that my payoff is nearly {$900.00} again I have proof in that I have emails from the company claiming I missed payments, but bank statements showing that the transactions cleared. Even have photos proving theyve been tacking undeserved fees and interest onto my account due to these so-called failed payments
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (NC)

In XX/XX/XXXX we purchased a timeshare with XXXX XXXX in XXXX FL. In XX/XX/XXXXXXXX XXXX of XXXX transferred our property to XXXX XXXX in XXXX FL. We did not want that property. We did a quick claim deed with XXXX XXXX in XXXX, FL and we did not own this property any longer. XXXX was also involved in this matter - they house points and maintenance for the properties involved. XXXX was sent a copy of the quick-claim did from XXXX XXXX at the time it was entered into files at the courthouse, so that dues and maintenance monthly payments were stopped. After numerous calls to make sure that this was taken care of - I again sent it to them in XX/XX/XXXX. They state that this was not sufficient to stop the dues piling up and that I still owe dues on this property for the maintenance. When they contact me it is usually the same voice and he threatens me to take me to court and make my life a living XXXX. He has said I was trash and he would make sure that this never falls off of my credit. I have tried to explain to him the whole story and he states that they have the quick claim deed but that does not matter to him. 
I need help getting this removed from my credit ... I have nothing else bad on my credit and there is no explaining to XXXX. I do not owe any dues - I do not own the property. 
We followed the steps we were told to do.
Consumer complaint received 2023-03-21
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. (TX)

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 XXXX XXXX Account Number XXXX Account Name DEPT OF EDXXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number 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 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 2023-03-21
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. (NY)

HI, I WAS SICK WITH XXXX  AND XXXX  DAYS LATE ON MY XXXX CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR XXXX  DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM MY REPORT.
Consumer complaint received 2022-04-03
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)

Experian has false information on my credit report. in addition to CRAs and creditors NOT sending the requested copy of signed contract also shows charge offs on my account while also stating a 1099 was sent. Per IRS law 1099 statement are claimed as income. CRA 's are not to report income on credit reports Also, I never gave permission for the creditor or CRA to furnish my personal information. 

By law, reinvestigations are to be completed within 15 days. I do no give permission for more time to complete
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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.
Consumer complaint received 2022-04-03
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. (MN)

In Accordance with the Fair Credit reporting act XXXX  Account # 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


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
Consumer complaint received 2022-04-03
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. (MN)

In Accordance with the Fair Credit reporting act convergent Account # 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-10
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)

There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher ( See attached copies of letters of dispute mailed ).
Consumer complaint received 2022-04-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (KS)

This company called my ex husband and said I needed to call them. I also have a voicemail where they're threatening to call my employer. 
When I called the number he gave me, and the number in the voicemail, I was told they were an attorney 's office getting ready to file suit on me but if I made a payment right now, they'd stop it. 
When I asked for their name and address, they would not give it to me. They were very nasty about it. 
When I called back again, a different person told me they don't take payments and they are filing with a county I don't even live in. Even though the lady right before him was ready to take my card info. 
I told them to not call me again.
Consumer complaint received 2022-04-03
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This account was opened & closed without my acknowledgment .I reported it as fraud but my claim was not supported. i paid off the account and agreed with the bank that this account would be removed from my credit/background upon receiving payment .She as well agreed I requested 15 days for removal even though she insisted 30 days. i am still unable to unlock my current bank account or use it just cause of this report. I would like it to be removed and updated expeditiously.