davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Solutions (GA)

on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My Aunt 's pension was held by XXXX XXXX. I sent the requested original Death certificate and Revocable Trust Documents of XXXX XXXX XXXX on XX/XX/XXXX to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX It was received XX/XX/XXXX. By XX/XX/XXXX, Bank of America/Merrill Lynch was to facilitate. I was instructed ML  Benefits would call. That didn't happen. I called them XX/XX/XXXX. My last ( tenth ) call was XX/XX/XXXX. I have never gotten past the call center. I did talk to a supervisor and he followed up with nothing new. The only insight I received was ML Benefits says they never got what they needed from XXXX. We all agree on the XXXX  XXXX  day as the transition day. 
To this day the only way to get through the phone menu is to use my Aunt 's SSN and her birthday. The call center people aren't given the tools to move things along. I'm constantly asking to talk to a Case Manager. My last service request files was XXXX filed with XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (TX)

I was contacted by a XXXX XXXX from an unknown number, informing me that my case had escalated. And that if she was not able to contact my number, she would then contact my employers. Also stating their is an order for my location. And I will be located. This call was XXXX.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XXXX XXXX, 2016, I paid TransUnion {$1.00} for my credit report. I did not ask for anything else. However, they charged me {$29.00} for a subscription I did not sign up for PLUS a {$19.00} recurring fee.
Consumer complaint received 2022-09-07
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been trying for weeks to get my transunion credit report. I 've called and entered the info. I 've done annualcreditreport.com and they told me I could n't view it online. I 've tried the transunion website and none of them I 've been able to get a copy.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Regrettably this case is not closed, nor will it be until Ditech responds with accurate information. This property was not discharged in my bankruptcy proceedings as purported so your accounting based on that inaccuracy is suspect. I can produce valid documentation to prove I have paid my mortgage as agreed. Harassment must cease immediately. I intend to pursue all remedies available to me under the law. For the last time, review my loan documents and produce proof of your explanations as I am prepared to do.
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

A fraudulent bank account was opened in my name at an address that has never been associated with me. I have previously filed a complaint with the CFPB and was informed by Fifth Third Bank that this had been resolved XX/XX/2014, as they confirmed it was a fraudulent account. Upon going through a recent refinance, I have found out that their {$200.00} collection account with XXXX still appears on my credit report. This has affected my credit score by showing an open collection account that is completely inaccurate. I have jumped through hoops just to prove their mistake and inaccuracy and should not have to go through this again. Please help, as this is now creating undeserved stress on me. 
Thank you.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filling this report because Transunion has completely failed to provide a proper investigation on the accounts they are reporting inaccurately. As well as provide proof of the accounts that they have supposly verified. Under FACTS XXXX XXXX XXXX XXXX - you must, " Promptly delete all information which can not be verified '' Please help me resolve this matter as soon as possible.
Consumer complaint received 2022-10-06
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX 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 602 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-21
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. (UT)

I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/XXXX, I accidently sent {$100.00} to an account that was closed at XXXX XXXX XXXX. As soon as I hit submit, I realized my error. It was XXXX XXXX on Sunday night, so even though I tried to correct the error, I was only able to reach customer service automated line. I called my bank first thing Monday morning ( NYCB ) and reported the error. I was then told I would see the refund in my checking account on Friday, XXXXThat did not happen.On XXXX XXXX, I received a notice from NYCB that they would investigate. Approx. 2 weeks later I received notice the case was closed and there was nothing further that could be done. On XXXX XXXX, I called NYCB again and spoke with XXXX and she informed me that the manager would reopen the case. Today, XX/XX/XXXX, I called to get an update and was told the case was again closed and nothing can be done. They told me to contact XXXX XXXX again. I reiterated that XXXX XXXX did not accept the money due to a closed account. ( that is what I was told by XXXX XXXX ). I am reaching out to you at this time, cause I am at a loss where to turn to next. It is a lot of money, especially at this chaotic time. Please contact me for any further info I can supply you with.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries.
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (GA)

I am submitting to address my ongoing concern, referencing my complaint dated XX/XX/XXXX. As previously communicated, it has come to my attention that Experian and XXXX have not taken the necessary steps to expunge the items I requested to be removed. I expect the remaining fraudulent entries, outlined in both this and the preceding complaint, to be expeditiously deleted within 15 days from today. To facilitate this process, I will be providing my FTC report with reference # XXXX for your review. It is my anticipation that you will act to remove these items from my reports before the stipulated timeframe concludes : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
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)

XXXX HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

This involves a Synchrony Bank Gap Visa Account 1. There was a delinquent balance of {$3000.00} on the account as of approximately XX/XX/XXXX 2. After repeated calls and letters from the creditor we agreed to a settlement to made over a period of time. 
3. All payments were made as agreed 4. On XX/XX/XXXX Synchrony Bank sent a letter states that the account was settled and that there is a XXXX  balance. 
5. On XX/XX/XXXX I received a call trying to collect {$2200.00} which I assume is the original balance plus interest and penalties less the settlement payments. 
6. My husband returned their call and informed them the account was settled and he was told that it still showed a balance. He confirmed that they still show a balance due. Where upon he informed the person that the account was settled and that we are in possession of the letter from Synchrony indicating such. My husband became upset and told them he was going to file a complaint and would sue them if this was not corrected. He instructed them not to contact or call us again. 
7. It appears that Synchrony is trying to defraud us out of additional money.
Consumer complaint received 2018-03-21
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. (UT)

I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XX/XX/XXXX I received my updated credit report from XXXX. I have noticed that an account is in FACT reporting late payment. On a account that was CLOSED 6 months ago PAID IN FULL. This account is reporting on my XXXX report as late for XX/XX/XXXX. This is a DIRECT VIOLATION of 15 USC 1681e ( b ). A violation of 15 USC 1681 s-2 ( a ) & ( b ). A violation of USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). XXXX has reported inaccurate errors with actual knowledge. XXXX has also reported inaccurate errors AFTER proof/notice and confirmation of errors. I have attached solid proof that XXXX XXXX XXXX XXXX XXXX and XXXX are reporting late payments. That is on a CLOSED Paid in full Account closed on XX/XX/XXXX. This is just unacceptable and down right wrong on every level. How does this make any sense. To still report on a account that has been closed for 6 months. Then 6 months later receives a late payment on something that shouldn't even be reported on. I have spoke directly with the President Office personnel in response to this 6 month problem. I was told that there isn't any DELINQUENT account reporting to XXXX or TransUnion. That the account was closed and paid in full. See the attachments letters in regards to that situation. The only resolution to this is to DELETE this account IMMEDIATELY. I am now forced to seek a consumer attorney and file a lawsuit against XXXX and TransUnion. If this account isn't DELETED from my XXXX and TransUnion credit profiles. I've attached solid and direct proof to my complaint so you all can see.
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (NJ)

I have disputed this account which I don't recognize in my credit report. They offer no explanation about the debt. I never had a signed contract with this company they are violating my consumer rights by demanding I pay something I know nothing about .I asked about in my report to XXXX to get the company to verify more information and they failed to do so and stated I can not dispute this again.
Consumer complaint received 2022-09-07
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (SC)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}