davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (PR)

A payment of {$5000.00} was made to my PenFed credit card account on XX/XX/2024, the second payment in the month. The money was cleared from my bank XXXX XXXX XXXX  ) checking account on XX/XX/2024. As of today XX/XX/2024 the credit card account isn't showing the payment submitted and the card has declined at every transaction I tried to used it. On XX/XX/2024 the bank representative told me that, as a security measure, the payment will show on XX/XX/2024 or when the payment was cleared ( the payment was cleared on XX/XX/2024, please see document attached ). As a customer this is an unacceptable practice, if the money has been cleared of my cash account, I would expect it to be available to use. I find this situation to be fraudulent and outside the contracting relationship of bank and customer. I was given no choice by PenFed as they choked my ability to use my money. I am very strict with my finances, but this has resulted in unnecessary stress as it impacted my daily activities as well as my tranquility. I currently own 2 credit cards from PenFed as well as past car and motorcycle loans. Sadly, after this and other situations, I will no longer consider Penfed as a choice for financial purposes.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid 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: CITIBANK, N.A. (TN)

On XX/XX/, I initiated a balance transfer of {$2500.00} from my Citibank Simplicity Credit Card to my XXXX XXXX XXXXXXXX Credit card. However, I put the wrong numbers on the balance transfer form. On the second set of 4 number I put two XXXX XXXXs instead of two XXXX  's. Citi found the error and explained it to me. The representative said the money would be back on my card in 3 business days. That didn't happen, so I enlisted the help of XXXX XXXX  XXXX to help me fix this on XX/XX/XXXX. Citi opened an investigation and gave it a reference number XXXX. After two more investigations, and another trip to XXXX  XXXX XXXX on XX/XX/XXXX for their assistance, Citi said they would expedite this and I would have the credit on my card in 48 hours. Instead, I got yet another letter saying the balance transfer was sent sucessfully to a XXXX XXXX account. I never heard of XXXX XXXX, and they don't want to talk to me because I have no business with them. Many phone calls later, I'm no further getting this resolved, and I'm paying interest on money I don't have, not to mention what it's doing to my credit score.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group (FL)

Superlative RM www.superlativerm.com contacted me on XXXX/XXXX/2021. Demanded payment and asked me to borrow money from relatives in order to pay a debt that I had no idea I had. Provided names of my family members and vehicles I owned. Then after I stated I did not have {$6000.00} dollars handy to pay the debt, they proceeded to call my ex-husband and then called my ex-husbands wife in order to pay the debt as well. 

I just received my first written notice of debt on XXXX dated XXXX/XXXX/2021. 

They continue to call my family attempting to collect a debt.
Consumer complaint received 2023-01-31
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 the informationisinaccurate.
Consumer complaint received 2021-06-09
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)

I XXXX XXXX am deeply upset that these credit reporting agencies are reporting inaccurate, unverified inquires and accounts to my credit report. Under 15 USC 1681i, unverified accounts must be promptly deleted. I sent these credit reporting agencies a sworn statement on XX/XX/2021 telling them that the items listed were fraudulent, and they were supposed to remove the accounts 4 days after receiving my statement. it is now XX/XX/2021 and the accounts are still reporting to my credit report. this is illegal and I want the CFPB to take action. Please make them remove these fraudulent accounts. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2020-07-07
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. (LA)

On Monday, XX/XX/2020, I, XXXX XXXX, received an alert that my credit score decreased 95 points. I immediately called XXXX XXXX at XXXX to report that I don't have a mortgage with them. I was instructed to call their subsidiary XXXX XXXX at XXXX. The representative # XXXX was advised that the information does not belong to me, the information is incorrect, and the information has adversely affected my credit. She asked for my demographic information and stated that the address I had given did not match their records. I advised that I had given her the only addresses that I have ever resided and she rudely stated that I should refer to my original paperwork. As if I don't know my own address! 

I requested to speak with a supervisor, a member of the legal team, or someone in the fraud department. The agent continued to speak down to me as if I were attempting to access someone else 's information. Despite my telling her that the adverse information was recently fraudulently reported ; and, that I have no mortgages with them she insisted that she could not give me any information because the information did not match her records. As an informal resolution, I asked to speak to a supervisor thinking that they would resolve the matter in good faith. Upon further review of the company online, I noticed that they have a history of violating FCRA rules and reporting erroneous information. The account reported has an opening date from 23 years ago! Please advise.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (CA)

i received an email from a corporation, SPIRE RECOVERY SOLUTIONS LLC with a letter enclosed dated XX/XX/2023 in an attempt to collect an alleged debt in the amount of {$4500.00}. i refuse to pay. SPIRE RECOVERY SOLUTIONS LLC shall not communicate with me in any attempt to collect a debt -- that's directly or indirectly. Indirect communication includes reporting on any of my consumer credit reports. Within 10 days of receipt of this complaint, i am demanding that SPIRE RECOVERY SOLUTIONS LLC sends me the arbitration clause of the company where SPIRE RECOVERY SOLUTIONS LLC received my information. i feel very afraid of this PERSON, SPIRE RECOVERY SOLUTIONS LLC for having my personal information that was not given to SPIRE RECOVERY SOLUTIONS LLC by me. Immediately remove this alleged debt from my consumer profile, if listed. As well, the only communication SPIRE RECOVERY SOLUTIONS LLC is to have with me is that to let me know SPIRE RECOVERY SOLUTIONS LLC is no longer pursuing collecting this alleged debt and promptly send to me ( via the CFPB portal and regular US POSTAL mail ) a copy of the PERSON or PERSONS where SPIRE RECOVERY SOLUTIONS LLC obtained my personal information and the PERSON 'S or CORPORATION 's arbitration agreement or arbitration clause, and send me any personal information of mine that SPIRE RECOVERY SOLUTIONS LLC has within 10 days of receipt of this complaint. SPIRE RECOVERY SOLUTIONS LLC is forbidden to use any information to collect an alleged debt nor sell or transfer of any information SPIRE RECOVERY SOLUTIONS LLC has obtained of mine or any information that SPIRE RECOVERY SOLUTIONS LLC will obtain of mine.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I have sent letters to both XXXX and XXXX on regards to the collection agency with false claims of having an account with them knowing that I do not have any signed contract with southwest credit solutions and they have failed to provide any paperwork or signed contract with them.I sent dispute letters to XXXX and XXXX on XX/XX/2022 and also on XX/XX/2022 and they still have failed to correct the issue and remove the collection account from my credit report.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NJ)

Upon receiving notice from this company I Have never done any business with I requested they explain themselves and forward me a cop y of any contract i signed with them. My affidavit clearly stated they could take NO FURTHER ACTIONS against me until they lawfully validated and verified the debt. I heard no response from them though I forwarded them 3 different letters/affidavits, official legal documents. I heard nothing for months. 

Then I pull my credit report only to find a new " debt buyer '' as XXXX XXXX labels them to be listed on my credit report dropping my score 48 points! I called them to no avail. I rude and combative representative was not even listening to my request. I requested to speak with her supervisor, was put on hold for 25 minutes and hung up on. This company is a scam " debt collector '' utilizing illegal tactics, threat, duress and coercion. How they bring a matter to court, obtain an unlawful judgement without proof of service or ever filing a legal document and contacting the primary is beyond me. Please help!
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I had a loan for {$360000.00} on this property. with an additional {$40000.00} for the heloc. I receieve 1099 for XXXX in XXXX that i paid irs taxes in XXXX and a release lien from DOJ for XXXX on XX/XX/XXXX. So i have paid {$400000.00} however they are trying to collect {$160000.00} from me. i filed a ch.XXXX and converted it to a ch. XXXX bankruptcy in XXXX and no one responded. I got the discharge. XXXX XXXX XXXX XXXX said i did not owe any more money. I got the final discharge on the bankruptcy. Then in XXXX this company came out of nowhere saying that i owe them {$100000.00}. This bank is being unreasonable, They are not doing what the federal government said they should be doing. They are not helping me. I went into another Ch.XXXX in XXXX and it was dismissed in XX/XX/XXXX. Since at least XX/XX/XXXX, there has a been an international pandemic and a judicial emergency. The courts are not allowing evictions nor foreclosures at this time due to the statewide judicial emergency. The judicial emergency has been extended through XX/XX/XXXX ; however they are threatening to foreclose on me on XX/XX/XXXX. I was making all my monthly payments through bankruptcy until it was dismissed. They have refused to take any money from me since the bankruptcy has been dismissed. I don't think i owe them anything but if i do i need a 12 month deferment due to covid19. Over 40 million people have been unemployed in the country due to covid19.
Consumer complaint received 2022-07-04
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: BARCLAYS BANK DELAWARE (KS)

I have opened my XXXX XXXX XXXXXXXX  account and see that I have a past due credit card bill to BARCLAYS BANK DELAWARE for an account that was opened on XX/XX/XXXX in my name. I have contacted BARCLAYS BANK DELAWARE and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on XXXX, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but BARCLAYS BANK DELAWARE refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address po box XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-06-17
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Experian will not list the correct balance owed to XXXX  XXXX. The amount they say I owe is {$3800.00}. I sent them {$200.00} a couple of weeks ago and they will not even note that payment on the experian report. Status should read payment plan.
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-07
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.