davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX  XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX  XXXX Collecons : 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 Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX, VA XXXX Collecons : 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 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

Trying to set up online payment linking my PNC checking account to XXXX program. Got notification from online XXXX program that PNC made changes that prevent auto linking accounts. It is more costly for me to use my debit card to buy these gift cards than by autolinking my checking account. ( Over $ XXXX+ transaction fee to buy online with debit, vs. {$0.00} transaction fee using linked checking account. )
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have got into the the hands of the wrong person.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Chase United Club and Sapphire Prefered has MISLEADING customer service practices. I experienced two instances of misleading advertising and customer service first I opened my United Milage card, online it promised both a free year on the card and XXXX extra mileage points if the customer spend {$3000.00} on their first three months. I received the former but not the latter. They said that they did not have that written on my account - this was absolutely not true and should have taken a screen shot of their offer. Second, as I was trying to close all my accounts, they offered my a {$60.00} statement credit to keep the account open. I tried to close it twice, and they gave me {$120.00} credit to keep it open.They did not mention that I had to keep my account open for the whole year. They said it was implied that I had to keep it open for a year.
Consumer complaint received 2022-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

My mortgage is through Carrington Mortgage Solutions. I have auto payment set up to come out on the XXXX of each month ( the due date of the bill ). This months payment, XXXX, they took the payment out 2 days, possibly 3 days early. I will call them tomorrow to discuss ; however, I have researched and have seen a lot of lawsuits with this company in the past. 

Thank you
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I have a car loan, during XXXX I took a extension on my loans because of covid and I understood to extend my loan six months. My loans was extended 9 months instead because when I started paying loans again they took several payments and just applied to interest. I send them a worksheet showing them thr overcharge and I told I was wrong. And now I'm still paying interest. I'm worried that they will hurt my credit because I'm going over the time of my loan.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MAJR Financial Corp (CA)

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thank you!
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

I have a balance in the " XXXX XXXX XXXX  I am trying transfer into my PNC account, but PNC refuses to allow me to link accounts. This is how I get paid for occasional work I do, and unless I can transfer it, I've been working for free, so I'm very concerned about making the transfer possible.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XX/XX/18 Enhanced Recovery Company reported a debt of {$1200.00} owed for an XXXX XXXX XXXX creditor that is not mine. I have contacted both XXXX XXXX XXXX and Enhanced Recovery Company asking for the identification used to open this account and neither company has been able to provide that information because they do not have it and because it is not my account.
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has I have not received a response yet. I feel like Im being taken advantage of and being ignored concerning my disputes. Section611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has surpassed that time frame at this point so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and emotional trauma caused to me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person, as I have received notifications from my credit monitoring service that my personal information has been found on the dark web
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX, an XXXX XXXX company, is reporting inaccurate information to Equifax. I have disputed this account 5 times in the past 2 months with Equifax ( 4 denied, 1 ongoing ). When I reached out to Equifax to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results only provide a VA address and a disconnected NE phone number. There is no information as to how the account was verified as mine. I have attempted to reach the lender directly but am referred to a collection agency. This collection agency, XXXX XXXX XXXX, is not listed on my Equifax report as servicing this debt yet has created a new account number and increased the balance owed. Also during the dispute process, Equifax has only updated the creditor from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  but provided no additional details about the origination of the loan, verify account ownership, nor removed the status as collection. Without account verification, this account has been flagged as fraud. Below are the account details : Lender : XXXX XXXX XXXX Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX Equifax Status : Collection Account as of XX/XX/XXXX XXXX
Consumer complaint received 2022-08-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account Number : XXXX Under 15 USC XXXX this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXXXXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NC)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (CA)

I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both XXXX  and Equifax, demanding they do their job and investigate this false reporting, however, XXXX XXXX XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
Consumer complaint received 2019-08-31
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: Innovis (MO)

The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company ( XXXX XXXX XXXX  ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc. (SC)

Currently, I am locked out from accessing my account. The way this credit product works, everything needs to be accessed from their app. Right now it's asking me to verify my phone number via text message code but it has an old number on file and I'm unable to continue. I can not do anything with the product and do not want to have the account go late, nor do I want payments to process without any knowledge of what's happening to my account. Attached is a screenshot from the app. 

Background info : I changed bank accounts and the app/product requires your active checking account to be linked for any features, including use and payments, to be made available. It took several months before Grain unlocked my account so I could change the bank account and subsequently have my credit file updated to remove late payments ( which I sincerely appreciate ) due to the support issues. After I updated my bank account, I was able to make a payment to bring the account current and Grain began making their automatic withdrawals. Sometime later, the app again locked me out, prompting the phone number verification. I have submitted several help tickets without reply and responded to old support ticket emails directly back to people who have assisted/replied before and did not receive a response. I have called and set on hold for excessively long times before I had to hang up. I work nights so I only have a short time in the morning to make calls once businesses open before I must go to sleep. I have provided Grain with confirmation of my old phone number and confirmation of my new phone number more than once within the multiple communications I've sent to the company. I've moved my cash over to savings to prevent an unknown withdrawal from processing by Grain until I'm able to access my account again.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus Equifax, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from XXXX XXXX in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I was charged an annual fee on XX/XX/20. I have not used the card and planned to cancel it. I noticed the fee after the monthly payment was auto-debited from my account. On XX/XX/20, I reached out to them via their online portal as recommended by their phone system. I was responded to and was told I needed to call. Due to Covid-19, things have been very busy and I didn't call them until XX/XX/20. I was told that there is nothing they can do as you only have 60 days to request the fee to be waived. I told them I was in contact with customer service about the fee before the 60 days and was not told I needed to call support before 60 days. They would not do anything about the fee even though I have not been using the card. I think that is fraudulent. You can't dispute the charge on their website like you can any other charge. They are giving themselves preferential treatment to disputes and defrauding their customers because they can.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MO)

On XX/XX/22 I applied for the Barclays XXXX XXXX card and was approved. It comes with a {$95.00} statement credit that has yet to post even though all spending requirements have been met. Barclays continues to give the run around about when the credit will post but never follows through.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

Someone reopened an old account that was supposed to be closed to generate a bill. I don't owe {$500.00} to XXXX or any of its partners. I don't not owe any amount. My account is current and paid up to date.