davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Portfolio Recovery via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Portfolio Recovery has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I previously submitted a complaint with CFPB on XX/XX/2020 and HSBC responded to the complaint on XX/XX/2020 by promising that the credit would be posted to my account within 4 weeks. After more than 2 months, the credit has still not been posted. My original complaint is copied below for reference. And HSBC 's previous response, which they never fulfilled, is also attached.

-- -- -- -- -- Original complaint follows >>>>>>>>>>>>>> I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Consumer complaint received 2021-01-25
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)

It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have had this problems several times over the year and have sent in my Drivers License and it shows correct on Equifax site but not on other sites when I check Equifax report. I was alerted on XX/XX/XXXX of an collection from XXXX for {$420.00} by Equifax. When I try to dispute it, it does not show on on Equifax site. When I pull Equifax through XXXX site or XXXX site, it comes up saying XXXX XXXX XXXX and OLD ADDRESS XXXX XXXX XXXX. I have not had that maiden name or address in 7 years so it is clear Equifax once again has 2 files on me. 1 is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC WHICH IS CORRECT and I sent in my Drivers License months ago and was supposedly corrected when I then filed a complaint with CFPB. Now the 2nd file shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THE XXXX XXXX OF XXXX. THIS INFORMATION IS WRONG AS I HAVE NOT LIVED AT THAT ADDRESS OF HAD THAT MAIDEN NAME IN 7 YEARS. I NEED TO DISPUTE THE XXXX XXXX as it is not mine and Equifax needs to fix the 2 files that are being reported. I have Equifax monitoring which I PAY for that is giving me wrong information. I HAVE SPENT OVER 3 HOURS ON THE PHONE EVEN WITH SUPERVISORS AND THEY ARE CLUELESS. PLEASE DELETE THE OLD FILE WITH XXXX XXXX XXXX ASAP
Consumer complaint received 2023-01-20
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)

When I investigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi CFPB, For XXXXXXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2021-01-25
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-10-31
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I have a XXXX with Synchrony Bank. My credit card had reached my limit which was {$2000.00}. I started to work a part time job to save up money to pay this credit card down. I saved up XXXX to pay on this balance. On or about XX/XX/2019, I made a XXXX payment. I have a good paying history with them and my credit report has a XXXX payment history. 

On or about XX/XX/2019, I phoned the automatic phone line to obtain my balance. I was told that it was {$1100.00} and had {$41.00} left to spend. After me working hard to try and get the balance down to 50 %, Synchrony Bank waited until I made a {$1000.00} payment and dropped my credit limit to {$1200.00}. That was wrong. I feel like they just took my money. When I paid them XXXX, it dropped my utilization to around 50 %. Since they lowered my credit limit, my credit score dropped 15 points and I now have a 97 % utilization which lowered my credit score. 

They told me SORRY. Is this a fair way to treat a consumer? Absolutely Not. I feel they should put my credit limit back to XXXX and raise my 15 points back on my credit score.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Last month in XX/XX/XXXXI noticed that an account that was deleted in XX/XX/XXXXwas reinserted back onto my Experian report without any notification. By Federal law FCRA section 611 ( a ) ( 5 ) ( b ) Experian was supposed to notify me in writing not later than 5 days of reinsertion. They did not notify me at all. I sent Experian a letter stating that they are supposed to notify me and that they are in violation of Federal law. More than a month has gone by and they have yet to acknowledge this. I will provide past credit reports to show when it was reinserted. Thank you
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

This company solicited my information and illegally obtained it by way of Michigan banks to coerce payment and tarnish my reputation to other banks. All the information they have is fraudulent and it has been obtained and used without my authorized consent. Chexsystems has furnished an entire report using my personal identifying information. Their federal violations and actions have hindered me from being able to open personal bank accounts and I have been denied consumer credit.
Consumer complaint received 2020-11-12
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. (FL)

Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2019-10-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

Accessed www.experian.com/boost as emperian advertises on television they can increase or " boost '' your/our credit rating. I accessed the emperian online offer and entered personal information, e.g., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX and telephone number. Emperian required a username and password and entered XXXX and username XXXX. Emperian then showed our credit score based on he above entries and it had dropped nearly 100 points to XXXX. Called the telepone number for disputes and the denied allowing a dispute being filed. Here is the information they did provide ; Report Number : XXXX Date Generated : XX/XX/2019 then they offered CFPB assistance and I went through your process and filed this report. While there was no cost for Emperian to lower our credit score a hundred points it certainly is false or fraudulent advertising to see Emperian can " boost '' your credit score and the show a 100 point decrease. Any assistance the CFPB can provide will be appreciated. You should consider advertising a warning re. Emperian can increase your credit score when they did just the opposite. Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (CA)

XXXX XXXX refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

From XX/XX/XXXX until XX/XX/XXXX, the mortgage loan was in the name of XXXX XXXX, my ex-husband. We are now divorced and I assumed the mortgage through a modification assumption with Select Portfolio Servicing. The mortgage is reporting to XXXX, XXXX and XXXX the 3 bureaus as being delinquent on my credit. 

The modification assumption was complete XX/XX/XXXX. 

Thank you.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter
Consumer complaint received 2017-08-10
Product: Credit card or prepaid 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. (CA)

On XXXX/XXXX/17 @ XXXX I made a CC payment of a parking ticket associated to SFMTA in lieu of receiving a " hearing to contest '' the citation ( XXXX ). The condition with SFMTA is that you must pre-pay the penalty to acquire the hearing. The amount was {$280.00}. The hearing was ruled in my favor, and the ticket was dismissed.
CITI CARD refuses to refund/reverse the charge, stating that I needed to provide a valid credit card slip. This is not possible since the merchant ( SFMTA ) did not provide a copy of the credit card slip when requested. The transaction was completed using a digital CC machine ( point of sale terminal ) at the customer pay window, and the only thing I received was a copy of the receipt.
I provided CITI CARD with copies of all supporting documentation, which included : - a copy of the ticket - a copy of the transaction receipt.
- a copy of the bill of sale - a copy of the letter I received stating that the hearing was ruled in my favor, thereby negating the validity of the transaction, providing proof that the amount needs to be returned.
CITI CARD is refusing to reverse the charge and directing me to " take it up with the merchant '' to achieve a resolution. It is my firm belief that the responsibility falls firmly with CITI CARD to protect/defend its customers from these kinds of local government merchants/organizations. It is not the customer 's responsibility to battle with the merchant ; it 's the credit card company 's responsibility to protect its customers.
So much for taking care of your 10+yr customer. Not acceptable. I will be taking my facts-supported situation to social media.
Consumer complaint received 2021-03-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my XXXX XXXX XXXX checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IN)

I use the XXXX XXXX to connect with PNC Bank so I can take out money way before my payday comes. Now it wont let me link my pnc bank with the XXXX XXXX  and its making me frustrated because I have {$16.00} to last me 2 weeks now unless it links my bank with the XXXX XXXX.
Consumer complaint received 2022-04-05
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. (CA)

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX ) I have disputed this account as inaccurate with XXXX, Equifax, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Consumer complaint received 2019-10-31
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. (MO)

I have sent several attempts to request for method of verification for Chapter XXXX and Chapter XXXX Bankruptcies from Transunion and have been unsuccessful with their method they just keep sending me that it was verified. Attached is the letter of method of verification that I am requesting and would like all this information within 15 days. Also if these things are not verified that specifically asked in this letter this information has to be permanently deleted from my credit profile.