davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (TX)

Was sent a letter on XX/XX/2019 by XXXX XXXX XXXX, stating that I owed this debt with Pinnacle Credit Services , LLC. This is at least the second company pinnacle has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with Pinnacle.  Everytime I dispute it they just transfer it to another company to harass me.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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 the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXXXXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXXXXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit 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: U.S. BANCORP (CA)

I requested balance transfer of {$1300.00} to pay off XXXX XXXX from US bank. The initial transaction had some issues so US bank told me they had canceled it and then I made another balance transfer of the amount {$1300.00}. The second time it was processed and the payment of {$1300.00} went through. Later I notice the first transaction was also posted to my account which I did not authorize and was supposed to be canceled. I called the usbank 5 times to get it canceled before it was posted and in all instances they assured me that it was canceled/stopped! Now XXXX XXXX has cashed the cheque, usbank is saying they cant reverse the transaction or credit. Ive talked to multiple people at usbank but received no solution. I just want the transaction and the fee charged with it taken off my account!
Consumer complaint received 2022-09-18
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. (TX)

cfpb Reference number XXXX Equfax the consumer reporting agency can not furnish my permission of written instruction According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX . The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SYNCHRONY FINANCIAL (MO)

I am in the process of selling my current home and purchasing a new one. During the title search process, we discovered a lien filed on the property in 2007 by GE Money bank. We had a home improvement loan and at the time we took the loan out, they placed the lien on the property. GE Money Bank changed its name to Synchrony Bank at some point. I contacted Synchrony to obtain a lien release and I was informed that they only kept the motorsports accounts. All other loans were sold to other banks. They gave me several numbers for XXXX XXXX, as they told me is who would have been transferred the loan. According to some research, I believe XXXX XXXX went bankrupt and possibly sold the loans to XXXX, who I believe also either sold it or went bankrupt. With all of these entities, none of them recorded an assignment of the debt with the recorder of deeds after the original party sold or transferred the account. I have no records as this was over 15 years ago. We need someone to release the lien as soon as possible on the property so we can proceed.
Consumer complaint received 2021-11-12
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: HCFS Healthcare Financial Services of TeamHealth (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ARS ACCOUNT RESOLUTION XXXX Balance {$300.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Andrews & Cox, P.C. (GA)

I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for your companies to remove and delete these fraudulent accounts immediately from my credit file or legal actions will be taken. 

XXXX XXXX XXXX 2. Bleecker Brodey and Andrews
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (SC)

Barclay took over credit from XXXX for the XXXX XXXX XXXX. Barclay issued a new card that I never activated ( ending in XXXX ). I received a bill for what they said was a balance transfer to that card. I pay all of my credit cards in full each month, and I have never done a balance transfer. After hours of trying to get this corrected/removed over the phone, they put the dispute into " investigation ''. They could never supply any documentation to support a " balance transfer '' done by me. On XX/XX/XXXX, Barclay confirmed in a letter to me that the fraud investigation had been completed, and they had determined that I was NOT responsible for the fraudulent activity. Then, they opened another account in my name ( ending on XXXX ) and transferred the previously disputed balance to it ( the balance they had already confirmed " fraudulent '' in writing ). Then, in another letter on XX/XX/XXXX, they claimed that the activity was valid because they did not receive the requested documentation to support my claim.????? Now, after another hour on the phone with them on XX/XX/XXXX, they are sending me statements ( period XX/XX/XXXX - XX/XX/XXXX ) with late fees and finance charges, and I must assume they are damaging my impeccable credit score in the process. This is despicable, and I do not know what to do or who to turn to for help/remedy. I read Barclay 's reviews on-line ( 1 out of 5 stars with over 400 reviews ), and many people are experiencing this same frustration.
Consumer complaint received 2021-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX advisor, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/ to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX advisor that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

My husband and I were current with our mortgage payments until the start of Covid-19. 
Wells-Fargo , our servicer for FANNY MAY as a lander, placed us in Covid-19 Forbearance Plan in XX/XX/XXXX. Throughout pandemic we got constant extensions of the program. Wells-Fargo never contacted us to inform that the program is ending and to discuss our options. 
After we contacted them proactively they refused to exit us from Covid-19 Forbearance Plan, since, according to their record, we were still in active bankruptcy ( our bankruptcy was concluded in XXXX ). 
Before, during and After the bankruptcy proceedings we stayed current with our mortgage. 
Wells-Fargo wold not accept our assertions that we were no longer in XXXX and took them over 3 moths to confirm that we no longer in XXXX. Throughout this entire process we were in constant phone contact with them. Once the issue of active bankruptcy was resolved, instead of resuming the process of exiting Covid-19 Forbearance Plan they chose to issue a default notice for the entire period ( from XX/XX/XXXX to today ). For the last several moths we were directed from one department to another and it seems that none of them have authority or ability to resolve this matter Our Covid-19 financial problems were successfully resolved. We are willing and able to continue making current payments under the terms of our loan. Instead of giving us this opportunity they are taking steps toward foreclosure.
Consumer complaint received 2022-07-06
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. (MS)

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 2022-07-06
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. (MD)

In accordance with the Fair Credit Reporting act account 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (NY)

Applied for card XX/XX/XXXX Did not receive card in mail even though I moved mail forwarding would have sent it to new address Call 1 refused a new card told they would not send me another tell such such date Call 2 demanded a new card sent and annual fee charge removed as how am I owing and have no card!

Call 3 told no again stated I need to send proofs of me being me and address, they never updated it from the start of this Call 4 told I had to wait 14 days to get card the original they used the same excuse and never got that one This is a SCAM they charge and give you no card
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I received a promotional email from Chase on Monday, XX/XX/XXXX. I decided to open a checking account with them to avail the bonus. Everything went well and I even got to open up a savings account. There and then, I transferred my savings from my XXXX account to Chase via XXXX and register the checking account to direct deposit. On Wednesday morning, I received an email that I can not use my account and that they will close it soon. I called the customer service immediately and I was informed that I needed to verify my account information by going to the branch and submitting a copy of two valid IDs. Since I am foreign resident who just arrived in the US last XXXX, the only IDs that I have are my SSN card and passport which I provided to the banker on that same day. The banker advised me to call back the customer service the next day to inform them that they have already uploaded the documents. However, it wasn't until Friday when the documents were reflected on their portal. When I talked to the customer service, they told me that they can not unrestrict my account anymore and that I needed to go to the branch and reopen an account and have my funds transferred to that account. I went to the branch on Friday but they told me that they can not do so as the back office wants to verify my address information. I provided them a copy of my lease agreement last Friday, XX/XX/XXXX, and again, it only showed on their portal today, XX/XX/XXXX. The customer service told me that they can not accept the lease agreement as it is only up until XX/XX/XXXX to which I informed them that as of the day I submitted the documents, it is still in effect and that I am willing to provide a copy of the renewed lease. They said they can not accept documents via email or any other means so they advised me again to visit a branch and do the same process all over again. I've been waiting for 7 days to have access to my money. Both my savings and payroll are deposited there, my rent is due today.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted Citi who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted Citi Executive Response who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A Citi representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. Citi has made it impossible for me to make a payment on the account because of their IT issues.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/2018
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies XXXX ie XXXX, Equifax, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX