davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (TX)

I spoke to my bank, PNC, regarding withdrawals from a lender who was to have no further access to my checking account. I was told that the impending payment would be reversed due to a stop payment request and the payment returned. However, I noticed on Saturday, XX/XX/2018, that the payment was taken back out of the account. One of the charges was disputed but it was also returned to the lender. This lender has been incorrectly stating the remaining amount of the loan and has breached the contract. I made my bank aware that this lender is to no longer to have access to my account but it seems my bank has disregarded me as a customer.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEM INC/ Acct # XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2021-12-08
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and RBS Citizens, NA to  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (AK)

On XX/XX/2024 XXXX fraudulent charges were made on our citibank card- XXXX to an airline in the amount of {$5800.00} XXXX XXXX and the other to XXXX XXXX in the amount of {$380.00}. They reversed the charges to start an investigation and provided us with a new card number and new cards. About XXXX weeks later we received an email stating the case was closed and credits were reversed. After calling we were told that the cardholder accepted the charges. XXXX XXXX and XXXX XXXX ( myself ) are the cardholders and we did not accept the charges. They refuse to do anything. We call every week and are told the same thing every week. We have done our own research and the airline charge was put on hold by credit card company and tickets were never used, but company never received their money- so they are in a sense trying to get double pay. We received mail from the insurance company with our address but someone else 's name ( assuming its the person who stole our information ). We have sent all this information to the Citibank via email and in letter format. They still refuse to do anything and are now charging us finance charges on the credit card we are refusing to pay. 
We have used Citibank for almost XXXX years and normally pay our balance EVERY month.
Consumer complaint received 2022-02-02
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. (NM)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-05-04
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. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc. (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-05-04
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. (TN)

In accordance with the fair credit report act conversion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 usc 1681 section 602 A 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 your account without my written instructions
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (VA)

Fraudulent checking accounts opened in my name with TD Bank. Accounts were closed upon my discovering the accounts due to a mailed notification. Local law enforcement complaint was filed where law enforcement stated to me that information was not sufficient for prosecution. 

TD Bank recommended that I purchase XXXX XXXX. The form of identity theft that was propagated does not involve credit reports for Banks that do not exercise due diligence under the XXXX XXXX. 

TD Bank has an online account opening process that is a danger to citizens of the XXXX in propagating Identity Theft activities. 

The harm that I have been predisposed to is not measurable except that TD Bank be required to reveal all details of how XXXX Checking accounts were opened in my name along with the forms of identification that were used to open the accounts.
Consumer complaint received 2020-12-14
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)

I already have a XXXX XXXX XXXX XXXX credit card. On XXXX XXXX, i asked for a higher credit limit and they approved me within 5 seconds. I applied for another XXXX XXXX XXXX XXXX credit card the same day, I was approved with in 5 seconds. This credit card was NEVER used with none of the credit reporting agencies of a hard or soft pull. XXXX XXXX approved me with my excellence of paying on time and never had NO late payments. Since i received my new XXXX XXXX XXXX card, XXXX  and XXXX  RAISED my fico credit score points. But with Experian, they lower my fico score by -21 points. XXXX  and XXXX  rewarded me by having another credit card with much higher credit balances cause I paid all my credit cards ON TIME, never late and never maxed out my credit cards to their high credit limit. With Experian, they condemned me for having another credit card, ( I only have 3 ) with much higher credit limits. When Experian did my XXXX monthly credit updates, They lower my fico score -21 points and my XXXX credit utilization is at 0.009 % or 1 %, which is well below Experian demand for a good credit utilization rate of 6 %. 
I never have any late payments, or high credit balances or I would NOT have ever received a new XXXX XXXX card. 
SOOOO, WHY did Experian penalized me by lowering my fico score by -21 when XXXX  and XXXX  RAISED my fico credit score?????????? 
My XXXX credit utilization rate of 0.009 % or 1 % to round it off, is really an excellent credit utilization rate. 
I`M wondering if they meant to raise my fico score by 21 points and made a huge mistake by lowering it. 
I WONDERING HOW MANY OTHER INNOCENT PEOPLE EXPERIAN HAVE MADE HUGE MISTAKES.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During a home loan approval process, I was notified by a prospective lender that there was a derogatory item noted on my credit report. This derogatory item has negatively impacted my credit score, hindering my abilities to get a reasonable interest rate on a home loan from the lender. To get a better understanding as to what was affecting my credit score, I had the lender provide a few  details as to what this derogatory item was. It appears that XXXX XXXX had opened an account under my name without my consent. Because I was not aware of this account, this account has now been closed with XXXX XXXX and placed in collections with XXXX XXXX XXXX. My credit report states that there is a balance of {$1800.00} that is currently in collections with XXXX XXXX XXXX. I would like to dispute this claim since I had never consented to opening this XXXX XXXX account.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

THIS ACCOUNT WAS PAID IN FULL AND WHEN I CHECK MY CREDIT REPORT IT'S STILL SHOWING A BALANCE THIS ACCOUNT WAS PAID IN FULL AND I HAVE THE LETTER TO SHOW. IT'S SHOWING CLOSE WITH A BALANCE OF {$2000.00}
Consumer complaint received 2019-03-20
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: Experian Information Solutions Inc. (IN)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AR)

We entered into a contract to purchase real estate on XX/XX/2020. We applied for a loan with US Bank on XX/XX/2020. We received our first set of early disclosures on XX/XX/2020. From the start of the application we have requested weekly updates. Starting in mid XXXX we were told we should be getting approval to move to closing soon. On XX/XX/XXXX we were told the application dropped out of the system and we needed to reapply. We submitted a new application on XX/XX/2020. We provided, as requested, the same supporting documents to the US Bank loan officer five times. We have continued requesting updates on the loan status and received assurances we should be ready to close soon. As of today, XX/XX/2020, we still have not been able to close on our real estate purchase.
Consumer complaint received 2023-07-04
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. (TX)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2022-05-04
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. (CT)

CFPB Write up n 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 also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: P.S.C., Inc (WA)

XXXX XXXX had a prior collection account with XXXX XXXX XXXX for attorney fees that was then transferred to XXXX XXXX XXXX. Payment arrangements had been set up with XXXX XXXX including an agreement to hold interest. The account was then sold, when the original debt collection agency went out of business, without our knowledge. We had no idea who XXXX XXXX XXXX was or that they had assumed responsibility for the debt. Prior to their communications, a check in the amount of {$1000.00} was sent to and cashed by XXXX XXXX XXXX. 

XXXX XXXX XXXX has now contacted us on multiple occasions. Their most recent communications include contacting XXXX XXXX at XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and three times on XX/XX/XXXX. During each of these phone calls and voice mails they failed to notify us that this was an attempt to collect a debt. When returning their call to learn more about why they were contacting us, we became aware that an additional {$600.00} had been added on in " interest and fees ''. The gentleman on the phone stated he was " doing us a favor '' by applying our {$1000.00} payment to principal. We asked for an explanation regarding how the additional fees had been assessed stating that they could not just add fees without justification. The gentleman on the phone at that time stated " Actually we can and we will ''. We asked XXXX XXXX XXXX how we could arrange to pay on the account, what they were willing to do to work with us, and were told that we would have to make them an offer, then they would decide if they would accept. 

They failed to notify us in writing of the debt until XX/XX/XXXX. Further, on their statement they allege that the last payment received was XX/XX/XXXX although multiple payments have been made since XX/XX/XXXX.
Consumer complaint received 2022-06-12
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 fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TransferWise Ltd ()

I send money to my mom at XX/XX/2021, But until now my money not yet arrival, soppose to be if my number account wrong or name bank or the receiver wrong they can't send but my money they already take and when i sen email to then waiting until this coming XXXX,, Until now nothing respon any more
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS XXXX XXXX Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS BUSINESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX Declined To view the full decision details click here
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights .
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Have tried to contact XXXX by phone, none of phone number s given in statement are no longer working and website giving me " oops '' mess. I wanted to ask questions about my account and CAN NOT reach a single person. Is this company even a legit company. Have I been scammed?
Consumer complaint received 2022-05-04
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. (PA)

I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.