davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.
Consumer complaint received 2020-09-18
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. (OH)

PREFERRED LEASE # XXXX payment history was corrected with XXXX and XXXX, but Experian is still displaying late payments, which is not true. Please correct payments history as this account was never late as the other XXXX and XXXX has made the correct changes.
Consumer complaint received 2023-01-26
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. (NJ)

I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. ()

Hello, I have been sent to a debt collector by XXXX XXXX XXXX XXXX XXXX regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I XXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to XXXX to close my debt and that the equipment was returned. I have contact XXXX  multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with XXXX has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with XXXX and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the XXXX rep that my account was closed and that I shouldn't owe any money, I then informed the XXXX XXXX that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from Associated Credit Services , INC that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Credit Karma (WA)

To whom it may concern I have been a member on credit karma for a number of years they continue to send me referrals for credit cards saying that I was {$90.00} to 100 % pre-approved for cards I continue to apply for them as well as multiple loans continuously being denied which affected my credit score dramatically. Also they don't keep my records up to date they have false information on my account about my credit scores and I've had multiple hard inquiries but never approved a number of 10 to 12 in the last year because they kept directing me to apply because I was pre-approved and I never got approved with any of them I have a stack of denial letters from these places I applied that credit karma directed me to
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I finally actually received a card. I have for once the physical card in my possession but the problem now that I finally actually the card all the money that was in my account is gone except for XXXX dollars. Bank of america let someone activate my card spend my money and at some point I guess they ordered more cards. I went through it trying to figure out what was goi g on either my account in 2020. I filed for unemployment. I had received an email saying I would receive my XXXX  account nu.ber in the mail then a month later I get another email saying my information has been updated. I called till I was blue in the face so to speak never could even get through. So I went to a bank of america and was told they could not do anything unless I had the card and that I had to take the issue up with XXXX. Well that was absolutely impossible. I got some certification papers in the mail. I filled them out and sent them back so I knew I should have had some money in my account. How was someone able to get my my money when I couldn't even get my money! And now that I finally got my information updated with the XXXX  back to what it should have been the whole time I get the card activate it and my account is empty and they aren't doing anything but telling me they are working on it. I get my tax transcript and see that I was paid out something like XXXX dollars.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (CA)

ACS/XXXX XXXX is reporting a student loan incorrectly on XXXX that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

The credit card company decreased the credit limit on the account due the account falling past due. I made the payment a few days later to bring the account current and called the company to reinstate the credit limit. The collections representative told me to call back when the payment clears and customer service would be able to help me. I called back on XX/XX/18, and spoke to 5 different representatives who all said they could not do the reinststment as I was told, and if I wanted it increased they would do a credit inquiry. I just want the credit reinstated as i was told it could be.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third Bank claims they did not receive my XXXX payment on time and charged me a late payment fee with interest. I complained to them and they just added all those charged to my XXXX statement and added the XXXX dues to my XXXX statement which was received by me yesterday with a due payable date of XXXX XXXX. I called this morning and they shut me off when I asked to speak to a manager.

I called Fifth Third last week, talked to a manager who assured me he would fix the balance of my account and send me a correct amount to pay. He did not.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (TX)

On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.
Consumer complaint received 2017-08-05
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. (MS)

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with XXXX as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the DMP and have not been reported as late so I am unable to understand the problem.
Consumer complaint received 2020-05-02
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 — Their investigation did not fix an error on your report
Company: First Federal Credit Control, Inc. (GA)

On XX/XX/2017, First Fed Credit Control listed 55 separate line items on my credit report for one account. 

The original account is with XXXX XXXX and the original balance is {$9500.00}. There is only one account but First Fed Credit Control listed each individual service received during the procedure as a  separate account and this is affecting my credit profile negatively. 

The procedure took place on XX/XX/2017. 

I contacted the company and asked them to investigate why the accounts are showing as separate. They would not provide an answer. But stated that each account will be closed upon receipt of full payment.
Consumer complaint received 2020-09-01
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)

This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the items below are not accurate and fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXX, XXXX XXXX XXXX  XXXX.
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: PNC Bank N.A. (PA)

Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DE)

Hi, I had several consumer accounts that I have had for years that were part of GE Financial Services. GE Financial sold off all of their consumer credit accounts to XXXX XXXX. As soon as Synchrony took ownership of my accounts they began a systematic lowering of all of my account credit limits, and closed without notice at least two of my accounts that had a {$0.00} balance.
When I called to inquire why I was told that my balances were to high in comparison to my credit limits. I explained that they were not in this condition until they had lowered all of my credit limits. They proceeded to then go off on a tangent about my overall credit etc., etc. Even after I have paid off two of their accounts, they continue to chase the balances on my remaining accounts with them. With a tiny bit of research I found that this is a widespread practice of XXXX XXXX, and that I am not the only one that is having their credit score damaged by this practice. I have always paid all of my accounts, and continue to do so. IS there anything that can be done to stop this practice? Thanks, XXXX XXXX
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1

5 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 an account without my written instructions. ''
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (AR)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions. ''
Consumer complaint received 2018-04-04
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. (FL)

XXXX is showing deformatory information that is causing me harm, in fact the account from XXXX XXXX XXXX XXXX  has been PAID TWICE AND SHOULD NOT BE ON MY XXXX XXXX   REPORT BECAUSE I HAVE EXPERIENCED BAD OUTCOMES FROM THIS, THE MISLEADING INFORMATION NEEDS TO BE REMOVED IMMEDIATLY BECAUSE IT DOES SHOW PAID 100 PERCENT BY INDIVIDUAL AND ALSO I SENT IN PAYMENT A FEW WEEKS AGO AND THEY ACCEPTED MY PAYMENT BECAUSE THEY DID NOT SEND IT BACK TO ME, THEY KEPT IT, SO XXXX NEEDS TO SEE MY TANGIBLE EVIDENCE AND REMOVE THE FRAUDULENT INFORMATION AT ONCE BECAUSE IT IS NOT VALID
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

On XX/XX/XXXX I received a letter from the mortgage company claiming that my 'Condominium Unit Owner 's Policy expired ' and they 'do not have evidence that you have obtained new coverage. ' Because of this, they 'plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. ' ( full letter attached ) I was shocked and scared for about 5 minutes  before I checked my policy, which is valid from XX/XX/XXXX to XX/XX/XXXX. I presume the reason the letter arrived is that my mortgage was sold and CMC did not have their name on my policy. After I had my insurance company add them they sent another letter XX/XX/XXXX stating 'the condo coverage we ordered on your behalf has been cancelled. Please make certain that you or your insurance agent or carrier provide ( s ) us proof of acceptable insurance on a timely, annual basis. ' ( full letter attached ) I believe the wording in these letter is unnecessarily threatening, and blames me for not providing them updated insurance information because my mortgage was sold, when I have absolutely no control over these transfers. Furthermore, having to contact the insurance company to add them, wait for a reply, then submit the documents to the mortgage company wasted about 20 minutes of my time.
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.