davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX 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 XXXX 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 XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (OK)

Purchased vehicle through dealership. PNC bank carries loan. Signed up for online banking. Their service forces you to login monthly to make payment. To setup recurring payments, you must download, print, fill out, and mail in form. There is simply no good reason this couldn't be done online. I believe this is purposely done as they are counting on people to forego this inconvenience. In turn, counting on consumers to forget to login and make payments before deadline, incurring late fees. No other financial institution that I personally bank with has such practices. I have spoken with customer service and voiced my concern to no avail. Again, I believe this is a deliberate practice by PNC bank to garner late fees on loans that would be avoided by automatic recurring payments.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I scheduled an online payment, with Synchrony Bank Rooms To Go, in the amount of {$100.00}, via automatic debit, to be processed with the XX/XX/XXXX. This was an error as the date should have been XX/XX/XXXX. Immediately realizing the error, I canceled that payment ( or so I thought ) and scheduled a new payment for XX/XX/XXXX. On XX/XX/XXXX, I received notice that my scheduled payment for {$100.00} on XX/XX/XXXX had posted to my account. The payment was also withdrawn from my checking account. As a result, I went online to cancel XX/XX/XXXX scheduled payment. Despite the " cancel payment '' option being available I received the message, " we are unable to cancel your payment at this time. Please try again later. '' so I called Synchrony Bank Rooms To Go customer service and requested that they cancel my XX/XX/XXXX payment. The representative stated that she can see the scheduled payment, but does not have access to cancel the payment. She stated that the only thing she could do was refund me the payment that was recently processed on XX/XX/XXXX. I initially agreed to the refund, but then she states that the refund will be sent in the form of a check by mail and could take 2 to 3 weeks. I advised that would not work. I asked why I couldn't cancel my payment online despite having the option available to me. She said I can't cancel a scheduled payment online. They can only issue refunds on payments that were already processed. She advised that I call my bank to cancel the scheduled payment.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (PA)

I had 9 fees charged to my bank account from XXXX XXXX XXXX from in the month of XXXX alone that they were not authorized to take out
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (NJ)

Commenity Bank : Victoria Secret Credit card Lane Bryant Credit card Store Cards were opened to purchase underwear. Undergarments were stolen off front of house address.

Lane Bryant underwear stolen and replaced without receipt on porch/ front of USPS address.

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all XXXX credit bureaus dropped my credit score by XXXX points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: PNC Bank N.A. (NC)

I walked into PNC Bank on XX/XX/2021 to make my XX/XX/XXXX. 2021 payment. The teller posted my payment incorrectly. I have called the branch manager, XXXX, XXXX with PNC retail, XXXX and the consumer loan department to try and get this resolved and to date my payment is still not posted correctly. Actually, because the teller posted it incorrectly, I received a late notice on XX/XX/2021, a late fee, and accrued interest. I was told by XXXX, XXXX, and XXXX that a request would be put in to have the payment corrected and it would take 3-5 business days. This was XX/XX/2021. It still has not been posted correctly and I can not get any information when it will be resolved, just that these things take time. There are other payments I have made on this auto loan account that have been posted incorrectly, however, the XX/XX/2021 was the only one that has made me appear LATE. I want this CORRECTED. I worry my account will show late on my credit report. This is all because the teller was not properly trained how to post payments to a simple interest loan.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

order items from XXXX and never received the items. called XXXX and XXXX for proof of delivery which I never received. truist bank contacted XXXX never received any response. Iam tired of waiting over 45 days
Consumer complaint received 2018-12-06
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. (FL)

This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) Also the number of months for terms changed from 77 to 0! Also not accurate! The other two bureaus are reporting 77.

3 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 

On the previous months report dated XX/XX/XXXX : 1 ) The balance changed again from the months prior to this from {$7300.00} to {$7400.00} which is inaccurate! 
2 ) The terms also went from 0 months to 77 months. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The terms also changed back to 0 which is inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate! 
2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate!

3 ) The terms also went to 0 instead of 77! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2020 I received dispute results from Experian. On this report it stated the name " XXXX XXXX '' was " DELETED ''. As of today the name still remains along with another name that I disputed to be removed. I contacted Experian on XX/XX/2020 with my last efforts to remove the inaccurate information from my report. I spoke with XXXX ( Team XXXX ) and I also spoke with XXXX ( Team XXXX ). XXXX was the supervisor who I asked to speak with, she basically told me it would remain on my report even though it states that it was deleted. This is a blatant violation of my rights under FRCA and negligent enablement of identity thief.
Consumer complaint received 2021-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

XXXX from Ally financial continuously calls throughout the day without leaving messages. 5-6 times daily to me and my spouse. No written notices or voicemails. Now they have started calling family members outside of what is on our agreement. We were told by XXXX that he found the numbers through public record to include calling XXXX XXXX XXXX XXXX while XXXX.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (AZ)

Rausch Sturm filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXX XXXX  XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, Rausch and Sturm falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.
Consumer complaint received 2024-03-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have 2 CDs and a savings account with American Express bank. American Express decided to close my personal account based on my business account which was overdrawn. There is a clear separation between consumer products & business products. I should not be penalized based on my business entity. Amex refused to use the ACH external account that has been verified to be mine already. This is abusive and mishandling of consumer funds and confusing personal with business side banking. 
My business banking was overdrawn for less than 24 hours without Amex notifying me me to allow me to rectify the situation. Had I know I would have fixed the issue as soon as I found out. Instead Amex has closed my business account without proper time and notification.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (NJ)

I sent letters to both company demanding to verify debt by providing a signed contract. The letters were written in XXXX I did not receive any information on a debt I agree to owed. Please remove from my credit report because I did not consent.
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received alerts that my credit was being accessed by XXXX  XXXX XXXX on XXXX. 
I immediately called XXXX today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from XXXX came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w XXXX on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX  XXXX and a few other creditors who alerted me that XXXX checked my credit again today. So I don't care if XXXX doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at XXXX who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

I had several visits regarding a XXXX XXXX XXXX. I made monthly payments The oldest amount due XXXX was sent to collections despite my making monthly payments. I told the collection agency immediately that I would only communicate with the original creditor. I continued to make monthly payments until account was paid in full.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I disputed 3 erroneous accounts on my Experian credit report on XX/XX/2020 via mail. I have NOT received any dispute results and it is now XX/XX/2020.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (PA)

For the last 10 months, M & T Bank charged my account {$24.00} per month for premium services, but would not provide any of the services. They would not allow deposits or withdrawals or enable me to meet the requirements to waive the fee. I contacted them to change the account to a free account, and they refused to do so. 

I have not received any services for 10 months. I am entitled to credit for the monthly {$24.00} fee when they stopped providing services. 

Now they are threatening to take my account into overdraft due to the fees but they will not allow me to make a deposit.