davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX  stating that they have no record of the account ending in XXXX.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (NY)

Today XX/XX/2020 I was notified from XXXX XXXX that my XXXX  credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Consumer complaint received 2020-05-17
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) (FL)

Prior to this dispute I have disputed accounts on my chexsystem report that were fraudulent and unauthorized without my knowledge or consent. I have several security alerts on all 3 of my credit reports with the bureaus due to fraudulent activity, my information being exposed in several data breaches and also on the dark web. Such my social security number, past and current address I resided, employer information, hacked email addresses, passwords to banking information, different spellings of my name was used to create accounts, also a loss drivers license which was replaced on XX/XX/2018 and also other personal information compromised. There are a few bank accounts that were opened in my name. I was not contacted or received any documents of this information listed in the check system. XXXX  XXXX XXXX has reported fraudulent information and has harassed me via phone in reference to collecting moneys not owed. A collection agency has been contacting me via phone as well, stating that they are collecting the unpaid moneys on the behalf of XXXX  XXXX XXXX and this is an attempt to collect a debt and if not paid to them I will be prosecuted. Due to this fraudulent account and reporting to the check system. I am unable to open any accounts with any other banks and the harassment from both companys has impacted my life in a drastic way. I am requesting for XXXX  XXXX XXXX to delete these inaccurate account and all derogatory information from my chex system report. Count your losses, delete this negative inaccurate information and please stop the harassment for legal action is taken. Attached are documents proving my identity was compromised and a identity theft report was also done online.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Reference # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-29
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. (IL)

Loan was paid off and submitted to Experian and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was closed and paid in full.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (AZ)

I have $ with PayPal. I bought crypto currency. The $ from my account disappears. I write PayPal and haven't gotten resolution. I can not afford to live without my $ so someones got to figure out where PayPal has delivered the $ from account.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I opened a prepaid credit card and had the card for about a year, the limit of {$300.00}. you could not go over the limit because the card was setup that way, ran into a bit of work issues and wasn't able to make on time payments. Fifth 3rd bank decided it in their best interest to close the card, at which time the cards balance $ XXXX.they had my {$300.00} to clear the account but failed to do so, to this date they are still charging me interest and reporting to the credit bureau I now owe {$470.00} in late fees and over the limit fees. I called them and they try and say they can continue to charge me and report to the credit bureau, I am so confused how they can do this, I need help
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I am trying to link my personal checking account ( PNC Bank ) with my business checking account ( XXXX  - ( XXXX XXXX ) ) to be able to transfer money back and forth as needed. My business checking account says the problem lies with my personal checking account at PNC.
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (DE)

I applied for an XXXX XXXX ( XXXX ) on or around XXXX XXXX and was denied extension of credit. 

I received an adverse action notice shortly after and it stated XXXX discriminatory reasons of why I was denied. They included Serious delinquency, Ratio of balance to limit on bank revolving or other revolving accounts too high, Time since delinquency too recent, and number of accounts with delinquency. 

Being as though I applied in good faith with true information and I am not in default with PNC Bank, them denying my application for notes goes against the Federal Reserve Act, Equal Credit Opportunity Act, and also by them receiving my application for that specific dollar amount and not issuing my Federal Reserve Notes or returning my submitted application is Securities Fraud. I know this because my application is a negotiable instrument with my E-Signature, NAME, and Social Security Number so therefore I entered a Consumer Credit Transaction with PNC Bank. 

I responded to the adverse action letter via mail and it was received by PNC Bank on XXXX XXXX and also contacted the Executive Client Relations Specialist department by phone on Monday XX/XX/2024 to try to resolve this matter, but I was told they would not approve my application because of PNC Bank policy, when I informed them I'm applying in a lawful capacity ( Federal Reserve Act Section 16 part 2 & 15 USC 1602 part f & g ) Due to my rights to credit being violated I am being damaged financially and emotionally, also would like mediation to correct this matter and have my application denial reversed, and the amount requested on my application of XXXX USD issued to me immediately after settlement of this complaint.
Consumer complaint received 2020-04-29
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2020-10-29
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. (GA)

XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

I have a 'Blue Sky ' credit card with American Express . On XXXX XX/XX/2019 I received a letter from American Express ( attached ) stating that they were reducing my credit limit on the account by 50 % to {$12000.00}. The grounds they gave for this decision in the letter was : 'There has been minimal activity on your account in the last twelve months. ' This statement is false, as examination of my account records over the past several years indicates.

I have had an account with American Express for several decades. Over the entire period I have always observed all rules and conditions related to the account. I have always paid my account balance in full each month. I have never chosen to use the account to run an ongoing credit balance, i.e. to borrow from them over time.

There is no valid justification for their taking this action against me. I have to conclude that they are intentionally discriminating against me for one of two reasons : ( 1 ) they recently tried to 'upsell ' me to accept a different card product from them, which I chose to decline ; or ( 2 ) over the past year, for the first time since I have had the account, I had to challenge charges on my account made by retailers. Each of the 3 challenges was for different, unrelated reasons. None was for larger than {$45.00}.

When I attempted to get American Express to right this error, they told me that in order even to begin a process to restore the prior credit limit, they would demand from me a large amount of additional information about my personal financial status. I consider that to be an unreasonable and inappropriate request, given my credit history with the account. For the record, I have never come close to spending up to the original credit limit. I object to their action because it is based on a false claim and because it is a hostile act against a long standing, reliable customer.
Consumer complaint received 2023-03-23
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)

They say I owe XXXX dollars and which I dont Experian keeping it on my credit report and its going down XXXX XXXXXXXX took it off my credit report I have no idea why they keep making my score go down someone opened an account under my name from green dot I closed the account and they marked it as fraud this is hindering me from getting a new car
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed for Unemployment received California EDD Debit Card from Bank of America on XX/XX/2020, registered and activated card. XX/XX/2020, I Read all documents listed followed exact instructions on how to transfer funds online from EDD Debit card account to my personal checking account. Entered checking account number with routing number pressed continue. Response from bank " In-Correct Account Number '' It was the correct account number, I entered the account number again, the screen turned red " CARD BLOCKED. '' Not able to do anything. I never used the card to buy anything. 

Called Bank of America customer Service advised what happened reply I have to call Risk Management they are closed today will be open Sunday, XX/XX/XXXX at XXXX XXXX  I called at XXXX am " Thank you for your paitience we are currently receiving high call volume please wait and your call will be answered in the order we receive. '' For 2 hours on hold no answer. No option for them to call me back no voice mail nothing. I hung up I tried again at XXXX the same recording. I hung up after 1 hour 45 minutes. 

In this day and age of technology, all other Banks have the option for customer service to call you back. Instead they just never come to the phone so they never have to help you. 

Bank of America never should have blocked my card/account/money I am a brand new customer I have not been able to spend one XXXX, unable to buy food, toilet paper. After reading thousands of complaints from other BofA customers online with the exact same problem card being blocked. This has been going on for over 15 years how can this be possible they are able to block your account with no actual fraud being done. This is the only bank in the XXXX that does this to consumers. 

This can not continue this is my unemployment money and they are playing XXXX with my life in these beyond challenging times. I have no options but wait until Monday when the Bank opens spend another two to three hours of my day to correct BofA 's error.
Consumer complaint received 2020-04-28
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. (TX)

I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, Transunion, and XXXX. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit report.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (FL)

I sent a cashiers check to Bank of the West via XXXX  XXXX ( tracking # XXXX ) to payoff my boat loan. The check was received and signed for at XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, my payoff still has not been applied to my loan. I have called the bank numerous times and was told the payment was reversed, but they dont know why. On XX/XX/XXXX, I was told that the representative entered a research request that has a 5 business day turnaround. I asked to speak with a manager who told me that he was escalating my issue and a representative would reach out to me in 24 to 48 hours, but no one has reached out to me and it is beyond 48 hours. 

I contacted XXXX XXXX ( the issuer of the cashiers check ) and confirmed that the check has not been presented for payment. Once again, I contacted Bank of the West to try to find my check and I was told that the representative thinks the check is being returned to me because the amount of the check exceeded the payoff. I can not get anyone to tell me the status of the check. 

I sold my boat and this cashiers check was purchased by the buyer of the boat. He is in possession of my boat, but is unable to register it because of this issue. I can not get these people to do anything to help me get this resolved. Furthermore, each time I call, I wait on hold for a minimum of 30 minutes to speak with someone. I am fed up.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I submitted the appropriate documents to Mohela to recertify my employment as a qualifying institution. I received a letter from Mohela dated XX/XX/XXXX, but my employment is updated through XX/XX/XXXX not XX/XX/XXXX leaving my qualifying payments NOT updated. I have reached out to Mohela without a resolution. I simply want my qualifying payments updated correctly through the date of the recertification documents.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (NJ)

I've contacted Aspire twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$250.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is XXXX. 

They wrote me back and said they would defer the XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.
Consumer complaint received 2023-01-08
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. (FL)

In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX SERVICES They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

Account Name : CITI Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$4000.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.
Consumer complaint received 2020-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

My Student loan is with Nelnet ... ..I have called Them 6 times since XX/XX/XXXX and have asked them to send a billing statement so I could pay them ... .Since the Federal Govt is dropping them as if XXXX ... they have decided not to co-operate with me and others ... and as a result I now have late fees etc, since I am 3 months behind on payments ... This Company I have heard is being sued for this reason, but I am not the one who started it ... 


I have also tried to activate a forbearance but I doubt they even care ... 
I cant pay them if they refuse to send a statement!
Consumer complaint received 2020-04-28
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.