davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I received a credit alert from XXXX stating I have a new collections added. After reviewing I saw the Resurgent Capital Service was added. After doing more research I notice it was from XXXX, which I already settle and paid with LVNV. Thinking this was going to be an easy resolution, I sent a certified letter along with proof of the settlement letter to Resurgent. What I receive back was a debt validation letter. I know that was supposed to be sent before anything is placed on your credit report. I once again sent a certified letter stating my issues and demand this be taken off my credit report. Resurgent sent another letter asking for proof, both times I sent in the settlement letter, stating payment was received for this collection. I also requested the help with the XXXX  with South Carolina and they still refused to remove the collections off my credit report. All I have is the letter stating this matter is resolved, I no longer have that checking account to provide it was debited out of my account. Resurgent did not follow correct procedures to verify this account!
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

My Venmo username is a common first name. This has resulted in, from time to time, unknown people sending funds to my account. Venmo does not provide functionality to block payments from unknown users or users you are not connected with. I have engaged with support on this in the past and so they are aware that this happens and that I have cooperated with them previously to resolve this. One such transfer occurred recently and instead of engaging to resolve the issue, Venmo froze my account. I provided the company with the requested information - a statement that I was not violating the user agreement and a photo of my drivers license. They responded that they were closing my account permanently and refused to provide any further details.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

The concerns you had available, do not fall into my complaint. You should have had an other category. Anyway my complaint is against the policies of PNC Bank. The Feds have increased interest rates several times. PNC has increased interest rates on loans, mortgages, etc. However, savings customers have not received any raises at all from them. Around XX/XX/2022, I spoke to a teller at my local branch about the interest rates, and he gave me a telephone number to callXXXX. I called about XX/XX/XXXX, XXXX and a rude woman informed me that PNC doesn't ever have to raise interest rates ; nor do they have any plans to do so. This is outrageous and should not be allowed. XXXX folks depend on interest rates to help pay for meds and other basic needs. Money is provided to a banking institution for their use and investors should be treated fairly, not be ignored or financially abused.
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with XXXX and Experian, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an XXXX response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX or Experian and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to XXXX and Experian for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with Transunion and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from Transunion or XXXX and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to Transunion and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (ID)

Account had a debit of XXXX to XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, i have no idea what this charge is for. The bank said the card was present at the time and since i still have my card it had to be legitimate.
Consumer complaint received 2017-07-26
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: Credit Plus Inc (MI)

Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (CA)

I disputed XXXX XXXX XXXX an Equifax claim they investigated this account, and this account was deleted from my consumer report! A month later this account happen to appear back on my consumer report. I spoke to equifax regarding this matter, and they assured me that this account will be removed from my report! This account is still showing on my report. I have attached a copy of the equifax report that show when they claim they conducted a investigation, and it was deleted from my report.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, XXXX and Equifax. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NJ)

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Consumer complaint received 2022-09-09
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

We are one of the many American 's that experienced hardship as a result of covid-19 Lockdowns and restrictions. Sometime on or before XX/XX/XXXX, we contacted our mortgage servicer ( PHH Mortgage ), and explained that as a result of lockdowns and covid-19 restrictions, could not meet the mortgage payments. In response, a PHH Mortgage representative told us not to worry and further claim that PHH was helping their customer get thru the pandemic. The representative said that we was placed on a forbearance plan and when ready to resume the mortgage payments, all unpaid balance would be placed on the back of the loan. We have been trying to resume our mortgage payments for many months while PHH have entertained us with many follow up calls and paper work to no avail. PHH Now wants us to pay the full balance and filed a foreclosure action despite our verbal forbearance agreement back in XX/XX/XXXX. Instead of honoring our forbearance agreement, PHH filed a law suit on XX/XX/XXXX for non payment. PHH has engaged in Unfair Business Practices, misconduct, and abuse in connection with the Cares Act. Under the Cares Act homeowners can engaged into forbearance agreement due to the pandemic restrictions and lockdowns. Clearly PHH has violated every sentence of the Cares Act in connection with this loan. We ask that you investigate the matter and forward a copy of this complaint to the Government Accountability Office NPR for sanctions.
Consumer complaint received 2017-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : 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 # : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien XXXX : XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

I have made numerous attempts to fix the issue with Kikoff app. They have not fix the issue with me as a customer. The app has been locked for several months, making it impossible to make any interactions with the account. And yet they continue reporting as if my payments are delinquent. My on time payment has been 100 %. Thousands of dollars on time payments. Why would I let {$20.00} a month affect my credit score. To resolve this I need the to give me access to the account and remove those delinquent payment from my credit score.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

On XX/XX/XXXX I C Systems placed a collection on my credit report. It is for {$600.00} for XXXX electric and gas. This debt is placed with a separate agency, XXXX XXXX XXXX since XX/XX/XXXX. They are placing a duplicate collection onto my credit report for the same debt. They have never even attempted to contact me, neither has XXXX XXXX XXXX. I need this collection removed as the duplicate is hurting my credit. Besides the fact that the dates of origin on I C Systems is not accurate. This is an old debt owed by an ex boyfriend and his father that never paid their bill.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for the American Express Platinum card with American Express and got approved for the card on XX/XX/XXXX. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XX/XX/XXXX. As I noticed the card was not as good as I expected, I asked to close this account in XX/XX/XXXX. To my great surprise, I found after this account was closed, American Express removed XXXX Membership Rewards from my account on XX/XX/XXXX. I called them several times to resolve this issue but was told that I could not get the Membership Rewards back with no explanation at all.
Consumer complaint received 2017-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called XXXX yesterday and requested that a hard copy of my TransUnion credit report be mailed to me via the postal service. This morning, I received an email from TransUnion with an attachment, presumably my credit report ; I did not open the email or attachment. I specifically requested a hard copy because I do not have access to a printer. I called the TransUnion customer service number four times today and tried to speak to a representative, and each time I was shunted to an automated system that sent me a link for texting. Please have TransUnion send me a hard copy of my credit report through the postal service as I requested. Thank you!
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I called in to the claims department on XXXX XXXX explaining that I need to cancel a purchase with XXXX that was made on XX/XX/XXXX, for an event on XX/XX/XXXX,. XXXX the corporate is on vacation stated the companys voicemail, the promoter told me I have to handle my refund with XXXX because the funds is not deposited into the Organizers account until 5-7 business days after the event. I was confirmed by the rep. that chase will handle it, I was credit the XXXX that I used to make the purchase. 
On XX/XX/XXXX I received a chargeback with about XXXX additional fees and return payment from chase bank. The are not getting my funds back from the merchant. I was assumed that my money will be protected and its not. I am being bully by a corporate
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

In monitoring my credit, I noticed that Synchrony/XXXX  closed my credit account as of XX/XX/2021 after 5 years and 7 months and a 100 % clean payment history. I called XXXX and spoke with XXXX and XXXX ( managers ) in the XXXX office and both told me that the account was closed due to inactivity and there was nothing I could do and that I would have to reapply. I mentioned to both that I was never notified of their intent to close, which they said they are not required to. I asked them to please reopen the account, because this is negatively impacting my ability to refinance my home, which was about to enter escrow. Both just said they were sorry.
Consumer complaint received 2017-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX XXXX XXXX XXXX XXXX # XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above account XXXX XXXX XXXX XXXX XXXX. With a balance of XXXX. Past due I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (GA)

I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.