davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that COMMONWEALTH FINANCIAL claimed to have forwarded this account to be deleted from my credit report on XX/XX/17 CFPB complaint # : XXXX has never been removed from my credit report. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

PNC Bank sent two checks to pay homeowners insurance to XXXX by XXXX. XXXX on XX/XX/2023 in the amount of {$1000.00} and the other on XX/XX/2023 in the amount of {$700.00}. The premium is {$1000.00} so this resulted in {$700.00} excessive sent to the insurance company. Upon contacting and speaking for about 10 times in the last 2-months frame, PNC Bank has been asked numerous times to provide the front and back copy of the check sent on XX/XX/2023 as the insurance company stating they did not receive, they have not been cooperating at all. This was requested from insurance company directly and still was not provided. Then they lied and said that it was provided every time. Because the first check they sent was not received but just the second check, insurance company took {$700.00} and said that only partial balance was paid and therefore {$320.00} additional payment is required. Technically, sending the insurance company the proof should have allowed them to locate the first check which then would have resulted in {$700.00} excess which should be refunded to me. However, instead PNC Bank again sent a third check in the amount of {$320.00} on XX/XX/2023. PNC bank clearly is aware of this issue and just keep sending money rather than helping insurance company locate the check and work with them to resolve so the money can be refunded and put back into escrow. Escrow analysis is coming up and they are keep sending money and increasing my homeowners insurance paid which will be used on that escrow analysis. They will not allow me or the insurance company to speak to the supervisor when this issue was escalated by the XXXX by XXXX. At this point, I am still not refunded of {$1000.00} excess PNC Bank paid in duplicate and the escrow shows the homeowners insurance paid as {$2000.00} obviously instead of what should be {$1000.00}. In addition, when they took over my mortgage, they did not update on convery their information to the insurance company until I spotted the problem as insurance company 's bill was not going through to them. This is going way over acceptable time frame and as escrow analysis coming near, I will not pay for the escrow shortage as a result of PNC Banks mistakes and refusal to fix but keep sending money without resolving the issue.
Consumer complaint received 2023-03-22
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. (PA)

I have had issues with XXXX XXXX in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. Experian is reporting that this account was closed by XXXX in XX/XX/XXXX. But XXXX XXXX is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (FL)

For several months, I've attempted to apply for both a XXXX XXXX card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from XXXX XXXX and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have names, addresses, phone numbers, employers, inquiries and collections being fraudulently reported on my consumer report. I did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collections being furnished on my consumer report. 
15 USC 1681E ( B ) states 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. 
Please remove and update the inaccurate information thats being furnished.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received 2 alerts, one from capital one and one from XXXX XXXXXXXX XXXX that these establishments pulled my credit. XXXX XXXXXXXX XXXX did an inquiry on XX/XX/2022, Capital One did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NY)

Received a letter date XX/XX/XXXX that Sunrise Credit Services was trying to reach concerning a very old XXXX XXXX XXXX  Account. They said that if I did not respond by XX/XX/2022 they would remote me to credit bureau. I received the letter on XX/XX/2022. This is the first communication from collector concerning this debt. They claim they have been trying to reach me by phone, but you receive so many spam calls a day that it would be next to impossible to know if they were calling me as no one ever leaves a voicemail. This may have been involved in bankruptcy as I had an XXXX XXXX XXXX  account in their. I have been given no chance to dispute this with them, prove otherwise or be given validation. I did have an XXXX XXXX XXXX account that is being handled by my state AG and the FCC. I refuse to speak to a collector at all as they refuse to listen and have a poor track record according to XXXX.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 


15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AL)

I applied for a credit card with discover under good faith having 2 income sources and being creditworthy based on the equal credit opportunity act and the fair credit reporting act, having sent letters to dispute fraudulent information reported on my credit history. Discover discriminated against me citing that a collection was the reason why yet, i am not responsible for the collection and have documentation proving so. They have ignored my requests.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Good morning. I got scamed over the phone and they used my XXXX  application in chase bank to transfer to their account in XXXX  XXXX XXXX using my phone number. They got in to my account and just transferred the money. I gave them code confirmation over the phone due to " block unauthorized '' transactions. Turned out it was some approval code. He manipulate me that someone got in to my account and tried to transfer the money. 
I file the claim to my chase bank but 3rd day and no results. They not sure if they will get my money back because it was XXXX  transfer so its like cash transfer. It happened on XX/XX/XXXX. 
Once i finish the call with scam, i called my bank to double check if its true and it was not. so i told them its fraud and not authorized transaction. 
And another issue is that i can not contact XXXX  XXXX XXXX over the phone, because im not the customer. And i can not contact them and remove my phone number from someone account.. because now my phone number for XXXX is XXXX to XXXX XXXX XXXXXXXX and i dont know how to remove it.
Consumer complaint received 2022-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NM)

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

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account XXXX
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 the information is inaccurate.
Consumer complaint received 2023-04-08
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. (TX)

The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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.

Also 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (MN)

I received a mailed advertisement from Discover about their Discover It card. As I've been looking to replace my current credit card I followed the links and prompts listed in the information to find out what my credit line would look like with that new card. In completing the application I was notified an account was created, which is not what I expected -- I was merely trying to get an estimate of my line of credit. I immediately called the customer service number ( XXXX ) and told I am not able to cancel the account until documents are generated in the coming days, leaving me unable to close an account I never wanted to open in the first place. I expressed my concern to the employee, XXXX ( employee # XXXX ) who reiterated and confirmed she wouldn't close the account.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

My name is XXXX XXXX. A former chase member. In the month of XX/XX/2023. I deposit {$1900.00} ... .chase held the funds for two weeks. It cleared.

Unannounced to me chase closed my account for no valid reason, they advised me I'd be receiving my check which I never have. It's been months I would like my funds release and issue in a expedited manner. If possible, Ive been calling almost daily and iam still getting the usual. He said she said run around. 

I need these funds to pay my rent or else I will be evicted. In about a week... .I am extremely disappointed in the way I've been treated by chase. Especially over an {$1900.00} check/ money order this is ridiculous and I can't understand why it's so difficult to get what is rightfully mine people work hard for their money and not being able to access it is definitely an inconvenience. 

Also called chase they lied and said the money orders they can't confirmed like what how does that make sense. I called XXXX XXXX they said the money orders are valid and has been cashed I told them chase won't release my funds they said if I don't have nothing in writing from chase saying the money orders are not valid is nothing they can do And they lie just too get you off the phone Everytime I call chase I get a new excuse or answer why I can't get my funds. Chase bank think iam stupid or something I know my funds are held in an account where they gain interest or trading using my money idc the amount I know they've probably made a nice chunk of money off me. I'll be surprised if chase bank doesn't get bailed out by the feds AGAIN because they are greedy, sneaky, and conniving I've verified my identity over 100 times, the branch manager even called them to confirm that I was in branch to verify my identity. They're saying they can't send my check because my address changed in the beginning. Mind you chase sent my new debit card and account closure check to my address on file nothing has changed. The chase reps do not care some out sourced XXXX customer service reps are very rude and blatantly nasty they don't care to help steadily repeating the same thing over and over again like a robot with no real solution. At this point I will no be calling chase anymore. I've emailed the CEO of chase as well ( XXXX ). iam not playing with my funds idc how much it is. The bank will send you in overdraft fees for their money. I think I deserve overdraft fees from them for almost 5 month inconvenience. At this point If I don't receive my funds I will be suing chase believe that! 

I've called chase over 100 times and still no one has rectified the situation. Even the chase branch manager call in to fix the problem still nothing no check was ever sent to me. If you can assist me in this manner I'd greatly and appreciate it. Thankyou for your time and help. 

Card number : XXXX XXXX XXXX XXXX ( closed )
Consumer complaint received 2022-04-26
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. (FL)

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states 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. 

Names : 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 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 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