davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX mailed me a letter to my mothers house stating i was being sued i contacted them that i am unemployed and currently ill. they stated they would be suing me, very unprofessional I told them once i got a job i would contact city bank to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of XXXX XXXX XXXX they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

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 Equifax*** 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
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX   XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & TransUnion totally removed it. XXXX still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing.

2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) TransUnion is showing 7 hard inquiries and XXXX shows the most at 11. XXXX has not  corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, XXXX is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said XXXX. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my TransUnion has dropped to XXXX as of yesterday. And XXXX has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700.  HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

I was on a business trip over XXXX XXXX weekend. On XX/XX/XXXX, there were several transactions on my PNC checking account : {$100.00} at an ATM, {$35.00} ACH ( XXXX ), and another {$3.00} ATM fee. They appear on my statement in this order. There were NO transactions after this until XX/XX/XXXX. 

On XX/XX/XXXX, I was hit with a {$36.00} overdraft charge. My account was overdrawn by {$3.00}. The bank is arguing that since one of the charges was ACH, they can take this amount even though I was less than {$5.00} negative. 

Also on XX/XX/XXXX, an ACH for my XXXX XXXX   XXXX  subscription was approved for {$3.00}. Another {$36.00} fee was added to my account. I am opted out of overdraft protection so I think this charge should have just declined, but the bank approved it and charged me a fee for it. 

So I have been charged {$72.00} in fees over {$7.00} total. 

I did have pending deposits coming in that would've covered that {$7.00} by far, but the XXXX XXXX holiday postponed it. The bank is refusing the refund either of the two {$36.00} fees, which I find to be absolutely exorbitant. I've been a customer of theirs since 2012 and I find their treatment to be reprehensible. It doesn't make sense to fine someone {$72.00} over {$7.00} when they've been a good customer and are clearly going through a financial rough spot- I will admit this, but I still think the fees are excessively harsh and only hindering my financial progress.
Consumer complaint received 2019-01-28
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. (CA)

Equifax credit bureau is outsourcing call centers to ignorant foreigners in XXXX that should never have U.S. consumers social security numbers and proprietary information. When I call Equifax and ask to be transferred to a representative in the United States, the do not honor my request. Equifax should be fined for this practice. 

Equifax is charging me monthly in the amount of {$17.00} for a Equifax Complete Advantage that entitles me to unlimited credit reports and score. I have tried to access my report today and in the past and am unable to do so. The website gives me a message that they are unable to complete my order and directs me to call Equifax at XXXX. I have called this number and the ignorant foreigners in XXXX advise they can not get this fixed and they escalated it to the Equifax I.T. department to resolve. Over a year later, I am still having this issue and it does not get resolved. 

I am submitting this CFPB to try to resolve the issue with Equifax. 

Consumers should be angry that their Equifax credit reports and Social Security Numbers and confidential credit information is being sent overseas to XXXX and possibly other countries. 

XXXX XXXX gave these greedy companies huge corporate tax breaks and the corporate greedy companies send our U.S. jobs offshore. 

Shame on a Equifax and corporate America.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX I had {$200.00} withdrawn from my account which I did not remember authorizing I called Coinbase and emailed them. While over the phone we were able to figure out that I did authorize the withdrawal 4 days later on XX/XX/XXXX I get an email from Coinbase that they have put my account on a temporary freeze due to the email I sent about the {$200.00} bank withdrawal. I have tried multiple times emailing and calling to have my funds released. But they have not been helpful Case number : XXXX
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I do not wish to report bank of am badly but this is weird been a good customer with them for years Had an offer for business travel card applied on XXXX XXXX was denied. thought it was wrong called today told there is no record of my SS number when i look on the check status box too there is no record under my SS number which is also odd. I feel somoene may have compromised my SS number this is the only one i used. 
i need this looked into. i did apply was rejected also a fraud alert should have been triggered but response i got online does not indicate this. 

I am troubled by it. 
I also want to say regarding my card ending XXXX that i know the interest is valid and i appreciate bank returning fees the request i made for XXXX was declined i am sad about that. i need that back too this charge made responsibly was for property tax es on a home i have had vacant for one year and two months it has been a hardship. that said, i maintain all my accounts well Once i get that back and i know its valid i will do a balance transfer on my other account. please help. 
Please address these 2 issuees and i dont need to be reminded i got the interest refunded or how to avoid it. I know that as my long term record reveals its just a hard time now that and my loyalty should mean something here. i hope so.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

Multiple times I called them and tried to tell them there was a problem with their system. I could not pay my bill. I would pay it, it would post, and then it would get get " kicked '' I even called them with my bank on phone and my bank said there was no problem and didn't see a decline charge. My bank account was good. This has caused my payment not to be be paid, which in turn caused late fee. This is synchrony financial and i have about 5 cards from different places through them. Now, they call and text repeatedly, even on weekends. The late fees are not what I understand the new law to be. They are XXXX XXXXXXXX {$40.00}. I even tried to pay my last bill with a different account and got the same result. They are insistent that it says no bank information found. I explained to them that they are the only ones that I can not pay.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I called Ameri Cash Loans on XX/XX/2019 and spoke with a representative by the name of Ms. XXXX XXXX in the collections department and attempted to arrange for a one time settlement payment to settle the payday loan debt that I owed it has been over 1 year. Since it has been more then a year the loan was taken out and they continue to charge interest is illegal and unethical. I was unemployed for over a year I have been unemployed and recently had no access to money I tried to arrange a settlement payment to satisfy the loan for {$1700.00}. I offered to pay half of the debt for the amount borrowed the representative I spoke with refused to my offer of {$780.00} because she wanted me to pay {$2500.00} which I clearly communicated I did not have to pay because the place I am working with is a temporary job and Im not sure how long I will remained employed with them. I did go ahead and make a one time payment of {$780.00} for the loan but I am afraid they will keep harassing me and attempt to take payments of my card when I may be unemployed again due to the job not being permanent. They have an outstanding balance of {$4200.00} shown as owed when I only borrowed {$1700.00} I want to be done with this company and the unpractical tactics to get money out of people. This is is unacceptable and I show not have to pay this loan due to the company unwillingness to accept a payment of the original amount I borrowed I can not pay more then what was borrowed. If someone can help me with this issue I would be forever grateful.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

PennyMac did my annual escrow analysis in XX/XX/2019. I could pay the shortage or my payment would increase. I chose to pay the shortage and made a {$600.00} payment on XX/XX/XXXX which brought my monthly payment to {$940.00} which I paid for XX/XX/XXXX. I then received notice that my payment had actually increased to {$990.00}. I called and spoke to an agent at PennyMac on approximately XX/XX/XXXX. He stated that my county taxes had been reduced and my new payment was {$910.00}. On XX/XX/XXXX, I received a notice that my payment of {$940.00} was short by {$45.00}. I called on XX/XX/XXXX and they agent stated that my payment had not been reduced and they would have to do another analysis in order to reduce my payments. I asked why I was told that my payment had gone down and she stated that she did not know why the other agent told me that. I gave her permission to reanalyze my escrow. 

This is how people get into financial trouble with their mortgage companies. I was given false information and PennyMac miscommunicated with me.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ihadsubmittedcase#XXXXandhavingthecompanyrestrictingmyaccountasofXX/XX/2019andclosinginitonXX/XX/2019meanIdonothaveaccesstomymoniesuntilIreceivedthecheckfromtheminthemailandwillcauseHugefinancialhardshipespeciallyistheendofthemonths.IneedthebanktoallowmeaccesstomyaccounttodaysoIcanwithdrawmymoniesthantheycanclosetheaccount,BearinmindtheiractionisstrictlybiasanddiscriminativeagainstaXXXXcitizen.PleasehavetheBankcontactmeandallowmetoaccessMyFundstodayXX/XX/2019
Consumer complaint received 2019-05-29
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. (FL)

Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXXXXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.
Consumer complaint received 2019-05-29
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. (KY)

I submitted a dispute by mail to Equifax on XX/XX/2019, I included a copy of my drivers license and social security card as required by Equifax. In an effort to stall their response time they have sent me a response claiming that I did not provide my Identification which is clearly attached to the letter sent to them on XX/XX/XXXX. I have had this problem with them before in previous disputes and have noticed that this seems to be a common practice for Equifax in an effort to stall. The credit bureaus are required to respond within 30 days of receiving my dispute which Equifax has failed to do.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (TX)

I have submitted multiple disputes for incorrect information on my credit report to Equifax. Twice they have sent me a letter stating that they require additional identifying information because they are unable to locate my credit report. First of all, I am a subscriber to their company 's services, so the fact that they can not locate my credit report is baffling to me Second, I have submitted a copy of my Social Security card and driver license with each dispute. Furthermore, I have re-submitted the requested documentation to Equifax TWICE through both of the addresses they list on the letter ; they still can not seem to receive them even though I sent them via certified mail, return receipt requested, and have the signed receipts. This seems like an attempt by Equifax to avoid initiating or completing investigations within the 30-day time allotment.