davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (MT)

I have received contact from Harris and Harris regarding a XXXX XXXX debt. They have a called and sent on letter. When I received that letter, I replied with a request to validate this debt and provide me statements, the right to collect this debt, and any other information in writing. I, also, requested that they do not contact in any way other than mail specifically stating I did not want calls. 

On XX/XX/22, I received yet another call from this company with an XXXX XXXX leaving me a message to call XXXX. I returned this call. I asked them to validate the debt as per my previous request which was made more than 30 days ago and to stop calling me and only contact through mail. I was told that they could only validate through email. I declined that as I have no interest in receiving emails or relying on my email provider to not mark their emails as junk or spam and thereby removing my ease of access to said emails. I requested that they mail the documentation which this person told me that was not possible. 

I have only been seen by XXXX for a worker 's comp injury and I have to my knowledge have not been sent a statement or bill for any remaining debt. I have no qualms about paying my debts but I would like my rights not trampled on when I request validation prior to paying.
Consumer complaint received 2022-06-17
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. (FL)

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

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-27
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. (MS)

I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I was made aware of an authorized wireless transaction through XXXX  of {$590.00} on XX/XX/2021. 
I immediately contacted Jp morgan chase and filed a fraud claim. On Tuesday XX/XX/2021, they notified my through letter stating that my transaction was authorized. It most definitely not.
Consumer complaint received 2021-10-16
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (CA)

I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

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 2021-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to XXXX  XXXX they didnt do anything and sold my debt to a company called portfolio recovery associates 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

Citibank is giving me a hard time to file a dispute against a merchant, XXXX travel that double charged XXXX me for a service on XX/XX/22. I first filed the dispute online but the website didnt provide me the right option for the type of dispute I wanted to file and so I withdrew that dispute since it was not accurate. I tried to file another one online but the system wouldnt let me. I called citicards customer service and they supposedly filed the dispute manually for me and told me I should receive a temporary credit for the XXXX while they investigate. After not receiving the temporary credit, I called them again today XXXX, and I had to ask for a supervisor since the first person had no idea what I was talking about. The supervisor supposedly told me that they had to file it manually on their system under the following dispute number : XXXX, and that I have to wait 15 business days for a resolution and that they wont provide me any temporary credit because they had to do it manually.
Consumer complaint received 2021-11-20
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. (TX)

on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called XXXX and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

Experian received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-04
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: Avant Holding Company, Inc. (TX)

In XXXX of 2020 I was furloughed due to the spike in covid-19 cases and the downward spiral of profit at work. In this stressful time I did everything in my power to prevent negative credit reporting. I reached to one of my creditors and advised of my situation and was told to callback in XXXX  hours and they will have a program for those of us affected I did just that. The agent I spoke with confirmed during this time my credit would not be negatively affected and stopped automatic payments until my return to work. Once the deferment was over my payments continued per usual however once I began my payments my credit report was updated with a late payment. I reached out and was told I was correct this was an error and it would be sent up for disputing. Once it reached the customer resolutions team I was told everyone before them was incorrect and I was not in a covid related plan but something else and their reporting was accurate. Despite notes on my account and the proof that I have they have refused to resolve this matter. When millions of people around the world are loosing jobs, family, residences this company decided to be apart of the problem and not the solution. After many months of fighting I am unable to resolve this with Avant and I am asking for CFPB to step in and get the resolution I deserve.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NC)

Ive been lied to for months upon months by Robinhood investing on the release of my XXXX and the emotional XXXX XXXXnd mental XXXXXXXX caused by this situation has led me to very dark places Ive never been and I just want to share my story, I dont ever expect my money back from these lying, no good, scam XXXX because I am hearing this will not solve but only expose my situation, in XX/XX/XXXX I was received an restriction that indefinitely suspended my ability to open positions, withdraw or deposit any funds into or out of my account, this was a very aggressive restriction and come to find out this restriction was caused by something as simple as a reversed transfer, nevertheless after about 5-10 different agents all requesting the same VERY SENSITIVE information from me but at different times asking for my Bankstatement, photo copy of ID, XXXX XXXX ID XXXX and front of back of my social security, XXXX after submitting this information I was informed that I should be contacted within the next 2-3 days with a resolution on the outcome over the next days I was contacted saying my account would remain suspended and this was a FINAL DECISION and my remaining balance would be returned to my original source and upon completion my account would remain closed for disactivation. ( case Id XXXX from XXXX at Robinhood ) They then reinstated my account making me believe that this restriction was over and I could continue on there platform after they just told me that it was a final decision that my remaining balance would be sent to me within 60 days of the message marking the 60th day XX/XX/XXXX it has now been 120 days since originally I was told it would be returned and the process has not even taken the first step ( They wont tell me the first step ) Originally I was not thinking this would take this long because I was being told the entire time that there was an It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. this was red flag one million they were sending this exact same message as they were reading from a promt and that is when I decided to get more information from my bank as they said because over the course of the next month I was never informed on how the process would go about returning my original funds not only that I was permitted from having any information on the delay that was preventing my account from releasing the money,, after contacting the bank for more information the bank could not give me any information on the situation but thought Robinhood was trying to fraud me and closed my original bank now I dont even know if when they release if they ever do if itll have somewhere to go and this entire situation is just very heartbreaking the amount of information I am ALLOWED to receive about the issuance of my own funds.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-11
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)

Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (WA)

XX/XX/scrub>XXXX XXXX We closed all of our BMO checking and line of credit accounts. This included 3 checking and 2 line of credit overdraft protection accounts. We raised the issue of a balance owing on one of the line of credit accounts and the teller consulted with the branch manager informed us that there was no balance owing. 

XX/XX/year> - We received a bank statement showing the line of credit balance was still owing and had been charging interest. We went to BMO paid the full balance and demanded that the account be closed. The branch manager and teller were unclear about whether they had actually closed the account. 

XX/XX/scrub>XXXX XXXX We have received the attached statement, showing a XXXX  balance, but it does not indicate the account has been closed. We want the account closed and we want no further business with BMO.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

YOUR COMPLAINT Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (NH)

Lack of credit for loan. I am XXXX. I have been on SSDI forever. I had been working on gaining credit before but then when I got married XXXX XXXX, government took over half my check. So tell me how am I supposed to build my credit further. So regardless of the fact that I have a good score and almost the total amount needed in my account already. Still denied. Their system is completely biased against those with low income and in poverty.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Service denied my approved modification. XXXX XXXX XXXX sent Shellpoint Loan Modification Documents. I also sent them the same documents. I am a XXXX, low-income, XXXX, XXXX  veteran in a constant medical battle with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXX  ), Pain/Walking ( XXXX XXXX XXXX  ), XXXX ( XXXX XXXX XXXX ). I need this modification. My life depends on it. 

This started when XXXX  took possession of the loan simultaneously to creating documents of the successful completion of the XXXX trial payments approved by investor XXXX XXXX XXXX. It seems the grant got done but there never received the new modification documents from either XXXX or Shellpoint. My modification is XXXX XXXX XXXX XXXX months. Mortgage Payment {$1600.00}. I request either XXXX or the new servicer Shellpoint Mortgage Services send me the above-approved modification documents to sign. 

THIS STRESS IS KILLING ME!!!! 

Please Help! 

With the Warmest and Kindest of Regards XXXX XXXX XXXX email XXXX Home Phone : XXXX
Consumer complaint received 2022-03-26
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: Consumer Adjustment Company Incorporated (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent the credit reporting agencies letters of a formal complaint and notified them that they are in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I got a notification from Experian about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Consumer complaint received 2021-10-15
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: Rocket Mortgage, LLC (ID)

I was chatting to a motgage broker. when I told him what i did for a living, he told me he could not do a mortgage. he pulled my credit anyway without directly telling me he would do so. I want the inquiry removed. I did not authorize it
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (OR)

Company has shut down their online chat service, is actively dismissing calls with long wait times, and has no other way of contacting for closure. They have asked that I use XXXX for their customer service, which directs me to the call line, that again, consistently drops calls on their waiting line. I have verified this by checking with their XXXX help line, as others are experiencing the same.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.