davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On or about XXXX XXXX I set up auto pay for my Bank Of America credit card. All payments were made and came out on time until I got a call in XXXX saying that I was 30 days late for a payment. I questioned why the payment was not automatically taken out since the funds were in my account. I was told that I was set up on " scheduled payments '' and not autopay. I immediately paid the entire amount due followed by setting up true autopay. After about another week I paid the balance in full. 
Bank of America reported this to the credit bureau which I was not aware of until much later. 
On or about XX/XX/XXXX I disputed this through XXXX XXXX and also with BOA to rectify the situation as it was not my fault this payment was late. Had the bank taken the payment or notified me sooner that they did not take the payment automatically I would have corrected this issue immediately. 
It is also my understanding that due to the XXXX  ( XXXX   XXXX XXXX XXXX ) that if I am on XXXX XXXX orders then they can not default or negatively report to any agency. I am a Missouri XXXX XXXX member and I am on active XXXX orders ( which can be provided ). I was on these orders at the time of this incident, and I remain on these orders still.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

In XX/XX/2019, Portfolio Recovery contacted me to pay off a very old credit card. 
I informed Portfolio Recovery that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NC)

I received a debit card and statement showing I had opened 2 accounts with PNC Bank. I did not open any accounts with PNC. I called customer service for the bank immediately and had the accounts closed on XX/XX/21. I was told on the phone that I would receive a call from their fraud investigation dept but have yet to speak to anyone. Today, I received a Virtual Wallet Spend Statement in the mail, there was no balance or any transactions shown on the statement. I called customer service again and was told I would need to go to a local PNC Bank branch to verify whether or not the accounts were closed. I would like further information as to how this account was opened and some clear resolution from PNC Bank as I have heard nothing and no one has reached out to me about fraud. To be told that I have to spend my valuable time finding and going to a bank branch just to verify that these fraudulent accounts have really been closed is ridiculous.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all. 

Eastern Accounts System : XXXX XXXX {$0.00} due account # XXXX
Consumer complaint received 2019-05-30
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. (SC)

I had a mortgage with XXXX XXXX XXXX XXXX. I got foreclosed on and I went into bankruptcy. XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX. Well everything was put into our bankruptcy, we did chapter 13. So we fulfilled the bankruptcy and everything was taken off our credit report. XXXX XXXX XXXX was completely taken off of XXXX  XXXX and XXXX. But it was still showing up on equifax, so I filed a dispute with them and the next month they took it off my report. It was showing 3 yrs late payments, which that was the 3 yrs we were in bankruptcy. But the following month it was put back on my credit report and dropped my score 50pts. I then called equifax  back and asked them what happened. They couldnt tell me what happened and told me to contact XXXX XXXX XXXX. So I called XXXX XXXX XXXX and explained to them and she contacted equifax  and sent in all the info and explained to them that nothing should be showing up on the report. The next month it was taken off. Then more score went back up 50pts. The following month it was put back on the report and dropped it 50pts again. I then called equifax and once again they couldnt answer my questions as to why it was still showing up. I called XXXX XXXX XXXX back and she explained to me the problem is with equifax and not them.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (PA)

XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above  company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Consumer complaint received 2020-10-25
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. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX  | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX  XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2021-09-21
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. (CA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX  XXXX  XXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three credit bureaus.
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (NC)

This company fraudulently put a medical Debt on my credit report that is not owed. The physician they have I havent even been to. I disputed it with XXXX  and asked for written validation of debt and none was provided and it is still on my credit report. I also have sent this company a certified letter to dispute debt.
Consumer complaint received 2019-05-30
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. (IN)

My identity was compromised while serving oversee. The perpetrator tried to open up the following accounts in my name. I demand that the following inquiries be removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX
Consumer complaint received 2020-10-25
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. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX | XX/XX/XXXXXXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

ATTENTION TO IC SYSTEMS ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$940.00} does not belong to me. This account was fraudulently opened through this company IC SYSTEMS ( XXXX XXXX XXXX ) in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2019-05-30
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)

I had my identity stolen in 2017, filed a police report sent all necessary documents to all 3 Credit Bureaus, however all the accounts were investigated and removed, however 1 account appeared on my Transunion as a collection agency, Ive made several attempts to get removed, Ive even spoken with a very nasty and rude representative for Transunion who was worthless. As a consumer my rights and privacy are being compromised by Transunion which is unlawful. They cant keep an account on my credit report that was a result of identity theft.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, my account with Synchrony bank/ Walmart was closed for default. According to my credit reports my balance shows {$620.00} with a past due balance of {$260.00}. 
On XXXX XX/XX/XXXX I contacted Synchrony bank/ Walmart at XXXX to inquire about which collection agency my account was sold to since my credit reports states that the account is a charge-off. When I called I spoke with XXXX, who stated that Synchrony bank/ Walmart had forgiven my debt and that they had issued me a XXXX which he stated had been mailed to me. I explained that I hadnt received a XXXX and requested that he mail a new one out at which time I provided an updated mailing address. 
I then proceeded to ask if I could pay them what was owed or make a settlement to have the account paid off as all three credit reports are showing a balance and asked if once paid could my credit reports be updated ; XXXX proceeded to tell me that since they werent reporting on the account anymore they wouldnt accept a settlement or full payment for the debt. This didnt sound right to me so I called again on XXXX XXXX and this time spoke with XXXX who informed me that I could send any amount that I would like and could mail the payment to the address that she provided in the form of a certified check, but it wouldnt go towards my debt and nothing on my credit reports would be updated because they are no longer reporting on the debt. I also asked XXXX to resend me the XXXX during the phone call. 
On XXXX XX/XX/XXXX I called back because I hadnt received the XXXX in the mail, this time I spoke with XXXX who transferred me to XXXX, I again asked XXXX if I could make a settlement or pay off the balance and was told that nothing I sent would be applied to my debt and they would also not update any information on my credit report. I informed XXXX that I was waiting for a XXXX to be sent to me and he told me while laughing that it takes 30 days to receive the XXXX in the mail. 
Today is XXXX XX/XX/XXXX and I still havent received the XXXX that was supposedly sent to me by XXXX and XXXX. All three employees of Synchrony bank/ Walmart refused to take a payment to settle the debt that according to my credit report is owed to them.
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

IC System called me regarding my XXXX account which was passed due.During the conversation they told me that XXXX was offering an end of the month settlement in the amount of $ XXXX.I was told that it would only be offered until the end of the month.I happened to receive a check that week so I called to make the payment which was a check by phone.I was told I was paid in full.This happened on XXXX XXXXOn XX/XX/XXXX I went to a XXXX retail store located in XXXX and the Sales Representative told me my account was still showing unpaid.He gave me a number to call.They were closed because it was XXXX XXXX weekend.I called both XXXX and IC Systems on Tuesday XX/XX/XXXX in the morning to clear things up.IC Systems once again confirmed I was paid in full.The person I spoke with told me he would send a confirmation email.When I called XXXX they transferred me to the Recovery Department.I spoke to a girl named XXXX.She said that she would go in the computer and put a note on my account that I was paid in full.That was all she could do.I returned to the XXXX store and met with XXXX who told me my phone still indicated unpaid.He called XXXX and explained the situation and eventually got transferred to the Recovery Department.He gave the phone to me because the woman wanted to speak to me.She was very abrasive and told me that I needed to pay the balance that I still owed or my phone would remain locked.I could not believe that they did not tell me this earlier when I called.Instead XXXX chose to humiliate me at the retail store. 
IC Systems does work hand in hand with XXXX and they even tell you thank you for being a valued XXXX customer when they take your payment.The entire situation was falsely presented and very misleading because they should not tell you that you will be paid in full if you are not and XXXX offered this end of the month special to me.I did not ask for it.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (HI)

i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this