davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Please investigate and process my disputes for all these collections that im disputing. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I tried several times to call and speak with LoanCare regarding LoanCare inaccurately reporting our account number XXXX as late by 90 days in XXXX. I finally got connected to a lady name XXXX, who provided me with an email address to deal with the credit reporting error. On XX/XX/XXXX, I received an email indicating a ticket number that they had assigned our account to LoanCare 's Loss Mitigation Team for review and resolution, but I have heard nothing since.

Meanwhile, we are moving and our mortgage loan approval and interest rate are being affected by this errant reporting. Below is background information regarding this inaccurate credit reporting by LoanCare as detailed in my email to LoanCare : Due to the pandemic, we applied for and were approved for a 90 day payment forbearance ( see attached letter dated XX/XX/XXXX from LoanCare approving the forbearance Confirmation number XXXX ) Due the continued unknown future of the pandemic and the Stay at Home Order, we could not rent the subject property collateralizing this loan, so we called and were provided with a 90 day extension through XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX and out handwritten notes on the letter - Confirmation number XXXX ) On or about XX/XX/XXXX, I noticed through my XXXX and XXXX accounts that my credit score had gone down by about 50 points. I researched the matter and found that LoanCare had reported the subject loan as delinquent 90 days. I called LoanCare and spoke with a lady that said LoanCare did not report us delinquent and that I had to go to the credit reporting agency for resolution. I contacted XXXX, and after a few weeks, they sent a report indicating that the issue had been resolved, and my XXXX and XXXX credit scores are now both back around XXXX. ( See attached letter from XXXX  dated XX/XX/XXXX ) I am now applying for a loan to purchase a new home and my mortgage company informed me that LoanCare is still showing my loan as 90 days past due ( See attached credit report, page 3 ).

Please note that the subject loan was never past due and was paid in full through sale of the property on XX/XX/XXXX. Coincidentally, that is the date that LoanCare reported our loan as 90 days past due. We never received any past due notices.

My wife and I have never been past due on any payments in our lives, and this is affecting our credit availability.

LoanCare is not being responsive. There customer service phone number is ( XXXX ) XXXX. Please help!
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Multiple unverified reports 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 a account without my written instructions These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by D & A Services , LLC of IL. D & A Services , LLC of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to D & A Services , LLC of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2022-12-15
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26
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: Credit Karma (VA)

On XX/XX/23 I was approached by someone at a retail store frantically needing to borrow my phone to call someone. After they gave my phone back I realized they had access to my bank information and applied for a {$3500.00} loan on my name and my credit got affected from it. My bank has already reported it as fraud and said I should report to any credit bureaus to report it there as well.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I have had money here for a couple years, seemed fine. I have moved large amounts to and from Marcus / Goldman Sachs before with no problems. 

But in XXXX, XXXX they locked my account for no reason ( had not been linked recently nor used in any way ). When I called to unlock, they spent half an hour telling me they couldn't figure anything out, then tried to transfer me and hung up on me instead. After another 45 minute call, the finally got me to a department that claimed to be doing a security check by sending me a code to a phone number -- that they asked me to give them. ( I could have been anyone! ) I gave them my number ( it's on the account ) and they said their service would not send a code. Just wouldn't do it. That makes no sense, I told them, I've gotten security codes from Marcus on that number for months. 
I asked them to send a code to my email on record ( a standard fallback for most banks ). They said they could not do that. They offered to send the code to a different phone number! ( Awful security practices! ) I gave them my wife 's. Their system would not send a code there either. 
To fix things, they say I have to fill out a notarized form ( they won't send it via email for printing, only snail mail ) THEN get it notarized, they mail it back THEN wait a few days THEN call them back again and go through all that and hope someone will actually unlock the account. Then I have to hope I can move the money out without their shutting the account down again. Given their complete lack of knowledge about the account 's status and their own procedures, I am not confident this will be resolved in a timely fashion.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc. (NY)

Upon reviewing my XXXX credit report I noticed XXXX discrepancies on my report been reported from Independent Recovery Resources. According to this company they are a debt collection agency which whom is collecting a debt from XXXX XXXX. I never had an account or business with XXXX XXXX. I disputed this account in the past and they ceased reporting me but again they have came back. Independent Recovery Resources is affecting my credit and affecting certain aspects of my life due to this negatively reflecting on my credit history. Independent Recovery Resources reached out to me in the past ( a few years ago ) and never clarified what this was from but continued harassing me, I disputed and now again like I stated they are reporting me. I have not received any contact from this company in a while so I do not understand why they are back on my credit report.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with XXXX XXXX XXXX and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called XXXX to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XX/XX/2019 I got an alert that XXXX has sent a delinquent alert to Experian and it has been posted on my credit. At this point I feel I have to escalate this situation because XXXX, who assisted in an Identity Theft crime, is now turning to the victim to collect.
Consumer complaint received 2017-07-20
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: EQUIFAX, INC. (FL)

Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Locate Source America, LLC (NV)

Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XX/XX/XXXX and the last time I had made a payment was XX/XX/XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XX/XX/XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XX/XX/XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION (PA)

Re : Previous complaint XXXX This bank BB & T still has not resolved this complaint although you let them close the matter without a proper explanation. They still have not transfered my ira to the other bank. This deliberate delay has cost me over {$200.00} in lost interest plus the difference in the rate at the new bank which has been lowered during this fiasco. Please help in this matter. BBT already has over 5000 matches in your data base.
Consumer complaint received 2019-09-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

I purchased this home in 1997 at XXXX per month how come I still owe on it is what Im wondering Im already out XXXX dollars and they still say I owe XXXX.. idk what to do about this even with an 11 percent interest rate it should have been paid off by now
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am requesting the help of the Consumer Financial Protection Bureau in reference to a late fee that was processed in my XX/XX/2021 statement on my Best Buy Credit Card Account. I was billed a late fee in the amount of {$27.00}. I wrote the credit card company a notification for assistance. Please see attached document as this is the notification I sent to them via mailed correspondence for assistance. I requested help that was denied to have account credited back on XX/XX/2021 over the telephone when I spoke with customer service.
Consumer complaint received 2023-02-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (OK)

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/XXXX XXXX : Synchrony Bank Banana Republic XXXX XXXX account closure Dear Ms. XXXX, I am writing to express my disappointment and displeasure with Synchrony Bank. Imagine my surprise when I called to discuss a payment that had not been received yet, due to delivery issues that the USPS has been experiencing, and I discovered that my Banana Republic Visa Card account had been closed. I then received the letter included in this mailing. I find it extremely unbelievable that my account was closed for high risk of failure to pay. I have had this account since XXXX. I make {$140000.00} a year. I have never been late with a payment ( except with the above-mentioned issue due to USPS problems ) and pay my bill off in full every month. 

I have to wonder if my closing my account was punitive because : 1. I pay my bill off in full every month 2. I have rewards totaling around {$200.00} 3. I havent used the card as much over the past few months What happens to all of the rewards that I have accumulated? Do I lose them since the account was closed through no fault of my own? I have always had excellent credit. I want a guarantee that Synchrony Bank closing my account will not negatively impact my credit. 

Due to the above issue with the USPS and the XXXX payment not being received on time, I paid {$600.00} over the phone and then a week later Synchrony Bank received my check that was delayed due to the USPS problems. The check was cashed. I want to know how and when this will be refunded. 

I need to reiterate how annoyed I am with how unprofessional I find your company and will be lodging complaints with the Consumer Financial Protection Bureau and the XXXX  XXXX  XXXX.