davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Selene Holdings LLC (VA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Selene Finance, LP Attn : Loan Resolution Department Subject : Request for Urgent Review of Partial Claim Agreement and Credit Bureau Report Correction Hello, I am writing to formally request the immediate review of my Partial Claim Agreement, which I originally signed with XXXXXXXX XXXX XXXXXXXX prior to the transfer of my loan to Selene Finance. Since the transfer, I have faced significant difficulties in having my agreement properly reviewed by your office, despite my consistent efforts to provide all necessary documentation. 

On XX/XX/year>, XXXXXXXX XXXX XXXXXXXX confirmed via email that they sent all pertinent documents to Selene Finance. On XX/XX/year>, I personally sent the Partial Claim Agreement to your Loan Resolution Center again, yet there has been no acknowledgment or review from your end. Instead, my account has been marked delinquent, which has been reported to the credit bureau, affecting my credit standing. 

I have repeatedly contacted your customer service agents, who consistently assure me that a request has been sent to your management office for review. However, I have not received any follow-up communication, and my issue remains unresolved. During a recent call, I was told that my only option might be to pursue legal action, which I wish to avoid by reaching a mutually satisfactory resolution. 

I respectfully request the following actions : Immediate review of my Partial Claim Agreement as previously submitted. 
Correction of any errors reported to the credit bureau due to this unresolved matter. 
Confirmation of the steps taken to address this issue and ensure that my account reflects accurate information. 


Thank you for your time and cooperation. 

Sincerely,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

I went to a car dealership in XXXX XXXX XXXX Florida to purchase a vehicle in XXXX XXXX At the time i had no job, was working on and off with XXXX and XXXX ride sharing companies. Unbeknown to me at the time, someone from the dealership made up a fraudulent income on a form and used it to qualify me for the car. The interests was high, and i was told to pay about {$600.00} per month because of the false income they made up. I realized later that it was a regular practice with the dealership and the finance company. This finance company has been sued by at least 34 Attorney Generals in various states for deceptive practices, predatory loans etc. They settled, but continued these fruadulent practices. I sued in Federal Court and it was dismissed sending me to arbitration. I went to arbitration and they turned a blind eye saying that they have no jurisdiction in the matter. I struggled with this predatory loan for 6 years, then could not keep up anymore. So the finance company as usual repossessed the car on XX/XX/2022. 
This is injustice and i as a consumer needs help. Thanks in advance.
Consumer complaint received 2022-10-22
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. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.
Consumer complaint received 2020-06-30
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. (IL)

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (DC)

On XX/XX/2021 I sent a letter regarding inaccurate and unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (UT)

Hello, good day. I want to open a complaint with PNC Bank. Im originally from XXXX and I had a XXXX Dollar account with XXXX XXXX. This account was opened through the XXXX XXXX branch, but the account itself was in the USA. In XXXX I got an email from XXXX informing that my US Dollar account would be migrated to PNC Bank. I was living in XXXX at that time and was asked to validate my personal information via online or through their app, but since I was living in XXXX, I couldnt access the app or the online bank, because it was required an American phone number to be able to proceed access their platforms. Since then, I have been trying to reach out to PNC Bank to sort this out and be able to access my bank account. I contacted my account manager several times and I gave him all the required information ( official ID documents, phone number, etc. ). But still, I was not able to access my bank account. I am now living in the XXXX, in XXXX XXXX XXXX, UT I moved to XXXX this month ( XX/XX/XXXX ) and reached out to my account manager once again, so I could finally get access to my bank account. Last week ( XX/XX/XXXX ) I was contacted by my account manager and explained that I am now living in the XXXX and my plan was to close my bank account with PNC and transfer my money to my current XXXX XXXX account with XXXX XXXX XXXX. He asked me to send him an email to request the information I need to be able to access my PNC bank account, which I did on XX/XX/XXXX. Since I was not receiving any support/update from my account manager, I decided to contact the Bank Retail Support from PNC and XXXX, XX/XX/XXXX, I got a phone call from them. They informed me that they were not able to validate my personal information and I was told that I must go to a PNC branch to be able to resolve my situation. As Ive mentioned, I live in XXXX XXXX XXXX, UT and there is no PNC branch in the state of Utah. The nearest branch is in XXXX, Colorado, XXXX miles distance from where I live.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

Ever since Bay Area Receivables has had collections relating to me, they have not sent me a statement or documentation regarding the debt. I end up finding out by email since they had an old email on file. I have to ask them each month for a statement and they still don't send me a statement, usually they send me an email with the account number, collection name, base principle due, interest/fees and total due. I have received one statement after sending numerous request.

I also have one account in collection that my ex-husband is responsible for and I notified them of this to be told, too bad the dentist office submitted my information as the responsible party. I was the primary parent providing housing/food/and daily necessities. My ex was court ordered to provide the insurance coverage and we split all quoted cost for services and any charges that the insurance did not cover he was also to have paid those cost. He was also to handle all discrepancies with insurance/medical office billing as he was the parent carrying the coverage and the one who received all benefit statements and documents on what the insurance did/did not cover. Making him the responsible party of medical debt. This was explained to the dentist office when we started seeing this dentist and the paperwork was completed in the manner that the staff instructed.
Consumer complaint received 2023-06-28
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)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

On XX/XX/2022 XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I accepted a pre-approval offer for the BB & T Bright card and was approved with an $ XXXX startling line. On XX/XX/XXXX I checked my XXXX XXXX  report and noted that a new account from BB & T was appearing. On XX/XX/XXXX I received an email that my new card was in the mail and would arrive soon. On XX/XX/XXXX the card arrived and I activated it using the automated system. I then attempted to set up online banking and received an error that the account was locked for too many login attempts. I immediately called BB & T 's customer service to fix this, and was told the account must be too new and hadn't been set up completely, and was transferred to card services. The rep questioned when the account was opened ( to which I responded that I had just received the card, the account is brand new ). I told her I was trying to set up online banking to manage my account and she rudely scoffed and said " ma'am, this account is closed. '' I asked what she meant since I had literally just opened it, and she said " it was closed by the risk department on XX/XX/XXXX, you'll receive a letter in the mail with details. '' While I am absolutely appalled by the fact that the bank would approve my PRE-APPROVED application only to immediately close the account, I can understand that underwriting has changed in this climate and on further review they may have decided I was too much risk. What I can not accept is that they have already started reporting the new account, which decreases my credit score due to the average age of accounts decreasing. It is not enough to simply close the account and report it as closed, they need to immediately remove the account from reporting, period, since it should apparently not have been opened in the first place. Additionally, as I would not have applied without the pre-approval, any inquiries that appear also need to be removed. 

I have reached out to BB & T via their CEO email line and received no response, hence the complaint.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

please remove these inquiries and names that do not belong to me. I have attached an identity theft report and have did some research that shows that after receiving this information you have 4 days to block this information from my credit profile 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of you will find all inquiries in the attached report. Also you will find names that are not mines
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

On XX/XX/XXXX a Request to Validate an Alleged Debt by invoking Title 15 U.S.C 1692g Section 809 ( b ) to an entity that goes by the name JEFFERSON CAPITAL SYSTEMS , LLC was sent and mailed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached herein this notice and complaint is the proof that JEFFERSON CAPITAL SYSTEMS , LLC has accepted and received the Request to Validate an Alleged Debt ( the request is NOT a request for verification of debt ) on XX/XX/XXXX at XXXX as evidenced with the XXXX XXXX XXXX XXXX 

The consumer who provides this Notice and Request to Validate Alleged Debt ( NOT a request to verify debt ) reserves all their rights without waiver in accord to Uniform Commercial Code Section 1-308 and Title 13 Pa.C.S. 1308
Consumer complaint received 2022-09-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX and # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (OH)

To CFPB : In XXXX of XXXX, I saw on my credit report, that on XX/XX/XXXX, a company credit card account ( XXXX/Atls/Fortiva ) was opened. I have no name or address of who opened the account. The credit card has a {$4000.00} limit with a {$3400.00} balance. I called Fortiva to dispute the opening of the credit card account and the charge. I asked that the account be frozen so that it could no longer be used. Fortiva sent me the forms to dispute the case and also a form to file a police report. Along with the forms, I was asked to send a copy of my ID to prove that I live in Ohio, ( The business transaction took place in XXXX XXXX, Mo. ) After every thing was filled out and mailed, I called Fortiva several time to ask the status or progress of the case. Every call, at least 10 in the 2 month endeavor, I was told that with the information turned in, that the problem would be resolved. Well, today, XX/XX/XXXX, I saw an alert on my credit report that shows the Fortiva charge hadnt been resolved! I called the three credit bureaus to make my complaint. All three told me that the dispute was never turned in! After following through with all that Fortiva said that needed to be done, Fortiva did absolutely nothing to resolve the case! You will see the account is still open and bringing down my score! 

Thank you for looking in to this! 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , Ohio XXXX
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank helped me open a claim for a wire transfer in the amount of {$200000.00} usd that was NOT authorized by me. I had purchased a new phone at the time of the incident and have reason to believe my information was compromised when switching my XXXX  account. The wire was sent to a similar routing number to that of a bank I used for my personal brokerage account- however the account number was not mine. I checked my account history with the brokerage firm and was never credited for the wire dated XX/XX/XXXX which further proved it was fraudulent. I contacted the bank directly and was advised to get a wire recall through Chase. I attempted to do so and it was denied as the bank had gone XXXXXXXX. I opened a fraud claim through Chase on XX/XX/XXXX. They asked me to fill out a fraud packet which I was assured would be overnighted. They also let me know that within ten days of filling out the fraud packet, I would receive a provisional credit if the claim was not denied. By Friday XX/XX/XXXX, I had not seen the packet. I called in and was asked if the claim was for $ XXXX I said no and gave them the claim number and amount. It took them more than XXXX minutes to find the correct claim and they let me know that they could not look up my claim using the claim number- only the account number. Once they found my claim, I was told that the packet should come within XXXX days. I called back Sunday XX/XX/XXXX to ask again where the packet was. Again, they suggested the claim was for {$9000.00} usd. Once they found my claim I was then told that it can take XXXX business days and they are unable to overnight the packet. I called Monday and was told by another rep that it can take XXXX days. I asked to speak to a supervisor regarding this and he was able to fax the packet to my local branch. I went in at about XXXX pm that same day and filled out the packet. The branch XXXX faxed it to corporate for me. I called XXXX days after filling out the packet and was told the claim was under review. I called again on XX/XX/XXXX after receiving a latter dated XX/XX/XXXX stating that the claim was denied because I had initiated the transfer. I asked them to check their notes- they had asked me if I made a {$180000.00} usd transfer on XXXX XXXX which I had. They had mistakenly marked the XX/XX/XXXX transfer for {$200000.00} as being initiated by me, instead of the {$180000.00}. I offered to provide them the emails between the brokerage account and I, as well as a signed Afidvit and proof from XXXX that my phone had been changed on the dates of the wire. They have been utterly unhelpful and have blatantly used negligence when checking my claim. They have no clear system for looking up claims, poor note taking, and did not even accept the evidence I offered. How can you deny a claim without even discussing with the customer? That money was to buy my home!