davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Attempted to purchase my credit report from Transunion.com. I am continuously prompted to join their monitoring service in order to get my credit report and/or score. There is literally no way around these pressure tactics. It 's either join, or do not access your report! And if there is another option, it does n't exist ... .attempted to order via their " disclosure '' link ... ... it states " system error ''.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/JCP for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (AK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX ) # XXXX, FXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXE XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXXS XXXX XXXX XXXX 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 instruction.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

To Whom It May Concern : I am attaching all the information regarding PNC 's handling of my Flood Insurance. 

I received a letter from PNC dated XX/XX/2022, stating that they want to charge me for an Anticipated Escrow Disbursement for Flood Insurance starting XXXX. Not only that they are creating this escrow account, but they are increasing the value of my Flood Insurance. ( See the document attached ). 

However, according to the terms of my Mortgage documents and Deed of Trust, it is my responsibility to pay my tax bill, insurance premiums, and Flood Insurance directly. Furthermore, my flood insurance has already been paid until XXXX. ( See documents attached ). 

PNC Bank is giving me and my Insurance Agent conflicting reasons on why they are doing this. They stated that their Flood Insurance Department reviewed my loan and re-established the escrow account due to Biggert Waters Act, which is why I am bringing this issue to your attention. I can not afford this increase, and I won't be able to pay twice in one year for Flood Insurance. 

I have been very responsible for managing my Flood Insurance and desperately need your assistance. 

I appreciate any help you can provide. Your support is much appreciated.
Consumer complaint received 2020-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc. (CO)

I am interested in paying off my personal loan in full. I am extremely busy and I sent an email to the company on XX/XX/2020 asking them to send me a payoff schedule for the next few days. The company policy is that they will respond in 24-48 hours by email. I have not yet heard a response from them. Because the loan can earn interest daily, I am wondering if they are breaking any laws by not responding to me in a prompt fashion?? This is not professional.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CO)

My car was repossessed byExeter Financing Company and for weeks I called in about my car and how I could set up a resolution or payment. I was told no I would have to pay it all in full. So I called in another time XX/XX/XXXX I called them after XXXX and I was talking to a member like I usually do and she was looking in to my account and thats when she told me that I could setup payment ( my first time hearing this from any of their members or reps so I was shocked ) so me being skeptical cause it was my first time hearing this I asked her if I pay today is there a possibility that my car would be sold in Aution. She said no, I repeated the question she confirmed no, I asked a third time she then said I assure you if you pay today your car will not be sold and you will get your car back I promise ( these are her words ) so she then begin to ask me how much can I pay towards the payment today. I have her the amount and before I gave her my card I asked her again about it being sold she yet again told me no. So I submitted the payment feeling confident and. Finally seeing some progress to this situation. Two weeks later on the XXXX of XXXX year XXXX I get a call after XXXX I could answer so I called back that morning and was told that the car in Question XXXX XXXX XXXX was sold and the balance was not charged off. Im so confused as to why they would do this after telling me that I would be able to get it back which I never received any documents of them telling me that they would sell the car. Ive never signed any documents with company or anything no correspondence through the variation of my account or loan with them
Consumer complaint received 2023-03-14
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: DISCOVER BANK (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I just tried to access my Citi Bank Savings account since I received an email saying that the APY was increase on my account to XXXX XXXX. While I was trying to log in i receive a message saying that the account was inactive and that I needed to call a number. I proceeded to call the number and it was respond by a call center in XXXX. They got my info and transfer me to a different department. After doing so, an agent responded by saying that my account was terminated and that they couldn't talk to me anymore and just hung up on me. I tried calling again and requested to talk to a supervisor in the US. They trick me and pass me over to another agent in XXXX that had less of an accent but still was not American and when I caught them on the lie they just told me that they didn't have any employees in the US. Please not that this is a US bank that hold $ XXXX of my money. That person then passed me over to a " supervisor '' in XXXX and this guy told me that my account was closed and that I should be able to get my money back within XXXX to 60 days. 

This is unacceptable. This is all the cash I have and this people think they can just hold it from me? I need to make a $ XXXX payment on friday that will result on a penalty if I dont and Citi Bank wont even pass me over to US representative to give me a solution or at least an explanation? 

How is it possible that one of the largest banks of North America dont have a single employee in the continental US to address this type of issues that are time sensitive. This has to be illegal one way or the other. I have no issues now or never had any discrepancies or issues with the IRS. I don't have kids so I don't pay child support. The only institutions that can freeze my money is the federal Gobverment and thats no the case.
Consumer complaint received 2022-03-15
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. (VA)

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

Bank of west toke {$130.00} out of my account and put that in a credit car payment with out my autorizacin I close the the credit car months ago paid the all amount but they said tha I have fee to pay And they took {$130.00} and put that in the credit card from my savings account with no notice Thank you Let me know I you can help me!!!!!!
Consumer complaint received 2017-01-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc. (OR)

Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.
Consumer complaint received 2022-03-15
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2020-03-06
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: WELLS FARGO & COMPANY (CA)

An account for a credit card in my name was opened with Wells Fargo XX/XX/XXXX with a credit limit of {$800.00} with high credit of {$630.00}. It was reported on XX/XX/XXXX that it was current and then was paid off and then closed XX/XX/XXXX. I have never opened a credit card or a new account with Wells Fargo.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PayActiv, Inc. (CA)

I received a letter and debit card for an account that I did not open. I called both PayActiv and XXXX XXXX XXXX XXXX XXXX. PayActiv refused to close the account and XXXX XXXX XXXX XXXX XXXX refused to close the account. I did not open the account.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX at XXXXXXXX XXXX I received a phantom debt call from ( XXXX ) XXXX identified as coming from XXXX, CA. They left a voicemail telling me there were pending actions being filed against my property and that someone would be serving me at my home. I was told to call ( XXXX ) XXXX. When I did call I was told they were XXXX and XXXX located in XXXX XXXX which doesn't exist. When I tried to ask for more information I was immediately transferred to someone who refused to answer my questions and just talked over me. The representative falsely claimed I had defaulted on a Wells Fargo credit card in XXXX ( never happened ) and then threatened me by telling me my social security number which really concerned me. Please put an end to this. Thank you.
Consumer complaint received 2015-05-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC. (PA)

Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My bank says it does not report to transunion, only XXXX and XXXX. 
Transunion lowers my score significantly as it shows no good credit from my bank. 
They said it 's up to me to get my bank to send in all my good on time and paid off loan information, and my bank says they refuse to report to Transunion! My score is low due to this issue when the other XXXX show all my good credit. Should n't Banks report to all XXXX? 
Why should my credit be hurt because a bank refuses to contact Transunion, is n't there a law to protect us from this lack of reporting?
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd (GA)

For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/CARECR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Constantly calling me at all hours of the day and night. Very combative person threatening me my property threatening to attach my Social Security my bank account if saying that if I dont pay theyll get me they made threats against the property and I have no clue who these people are they refused to give their name. A firm name or a company name. Then they want to hang up on me.
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/SAMS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I have an equitable interest in the discover card I was discriminated against I was sought out because I spoke against their unfair practices which I have a case pending with you all currently they took my money no check cut no limit raised after 12 months of ontime payments they simply cut off my card they didnt accept a payment that brought it current suspended payment authorizations that were securitized in which they cant prove. This is just very wicked that they illegally shut down my account I will be taking them to court as well seeking monetary relief They are about to damage my reputation on my credit report which messes with my credit utilization and defames my character as someone that cant manage debt.