davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (FL)

My name 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 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (MI)

Way back in XX/XX/XXXX, I Contacted PNC Bank concerning Unauthorized charges, PNC never conducted a proper investigation. I requested the steps and specifics concerning the investigation they claimed to have completed, PNC Bank refused to provide that information to me. 

I Filed complaints on XX/XX/XXXX another on XX/XX/XXXX, PNC Bank did not respond with the information requested alternately, danced around the crux of my complaint. It has been over 3 years and PNC Bank still has not provided a proper response. Apparently PNC Bank feels time heals and forgets, as now they come at me with an offer to pay off or settle for 20 % of what PNC Bank alleges I owe. The low offer itself is a testament PNC Bank is aware how weak their claim is. 
SEE CASES # XXXX, XXXX & XXXX This debt is not my responsibility plus PNC Bank has given up any legal right when they decided to ignore rules and regulations by not acting in a timely matter, not conducting the proper investigation and numerous other procedural shortcuts they decided to take from my previous issues. 

Additionally, I am requesting a Cease and Desist from PNC Bank or any Collection agency they fraudulently attempt to sell this JUNK debt to in the event PNC Bank does sell this debt to a collection agency which would be another direct violation. 

This letter is in response to the many correspondence I have been receiving from PNC Bank. 
ORDER TO CEASE AND DESIST ALL COMMUNICATIONS : According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call or contact me in any way at home, at work, on my cell phone or at any other location.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2.

I am keeping accurate records of all correspondence from you so if you continue to contact me I will hand this over to my attorney XXXX  XXXX  of XXXX, XXXX, XXXX  XXXX  XXXX.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I closed my checking account with First National Bank In XX/XX/2022. I have receipts showing I closed the account and there was a XXXX balance. I got an overdraft letter In late XXXX telling me my account was the overdraft. I called the bank and explained that I closed the acct. and I would not be using their services going forward. I was told the matter would be taken care of and the acct. would be closed. In XXXX I received a new overdraft letter telling me I was In overdraft again. I again called the bank with my displeasure with the handling of the closing of my account. This time I was met with resistance to the fact I closed the account. The person I spoke to told me I would have to call the branch I opened the account with and have them reverse the charges and close the acct. I refused to call that branch because I had a bad Interaction with a bank employee. She said that she would call her XXXX named XXXX and she would give me a call. I was never called by XXXX. I emailed the Bank ( email attached ) and told them about my situation and If this erroneous charge would do damage to my business and personal credit if It went to collections. I never got a reply back. In XXXX I received another overdraft letter. I have tried to close this account and FNB. will not let me. I would like an email or letter confirming this matter Is closed and that I won't need to go any further.
Consumer complaint received 2022-05-03
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. (MI)

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on XXXX of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Consumer complaint received 2022-05-03
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2019-10-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX  XXXX {$37000.00}
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OH)

On XX/XX/XXXX I revieved a lifelock alert stating that TD Bank USA/Target inquired on my XXXX credit report. I NEVER attempted to open an account. I contacted TD Bank/Target and it was confirmed that someone else attempted to open a credit card using my social security number. The email address, phone number and address however were all different. TD bank agreed to put a fraud alert on the application and not issue the card. However, I would like this followed up with to make sure. I have since put a freeze on all 3 credit files. I also would like the inquirery removed from my XXXX report.
Consumer complaint received 2022-05-03
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. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

Ar resources Inc Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on XXXX XXXX website!

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on XXXX  website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX OF XXXX Account # 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 information is inaccurate.
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portfolio Recovery XXXX  are notorious for harassing people for alleged collections accounts. I have reported them here in past years for alleged debts/collections. First, they have reported 2 collections to all 3 of my credit reports without providing any written notice and/or documentation of the alleged debts. On my credit reports, Portfolio Recovery doesn't even list who the alleged original creditor was or when the alleged debt was incurred. 
Second, Portfolio Recovery incessantly robo-calls my cell phone from dozens of different numbers daily that are not from their corporate number, including Sundays. Some of these numbers are : XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, and this is just to name a few. Given the amount of different area codes they are calling from is a huge red flag that they are phishing scammers and not conducting legitimate business.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

I have a collection company that has put two medical collections on my report but i paid the doctors co pay when i went and my insurance paid the other parts. So this is not owed. I have tried disputing with the credit bureaus to get removed but have not had any success. Please help me to get these removed as they are not owed and i've never received a breakdown for what they're for.
Consumer complaint received 2019-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I am filing this Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was filed on XX/XX/XXXX and closed on XX/XX/XXXX > Complaint Number XXXX-XXXX.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with Wachovia > In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with Wachovia '' They found the XXXX Wachovia home equity account XXXX which was rebooked with a new loan number XXXX and paid in full plus the lien release recorded on XXXX XXXX ... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under Wachovia Bank Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with Wachovia Bank And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was {$26000.00} a year BUT my gross yearly Income for XXXX was {$25000.00}!!! >SEE.PDF File Attached>I NEVER had a Checking and/or Savings Account with Wachovia Bank ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The Account Number # XXXX in which the back of the copies of the endorsed processed checks show & Prove!! <SEE .PDF FILES Attached> I was ONLY a Power of Attorney ( POA ) with Wachovia ! POINT B ) Home Equity portion sold to XXXX XXXX XXXX >> In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX  ( MERS/XXXX XXXX   XXXX XXXX XXXX ( XXXX ) with a {$44000.00} loan Well here is the Evidence/Documentation > SEE .PDF FILE Attached> And POINT C ) > They did NOT show me a copy of the Original Wachovia Bank Loan Document that would show my signature as Power of Attorney IS underneath my fathers signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the Wachovia Bank Loan Note> Here is PROOF of Forgery > SEE .PDF FILE Attached> That is just a sample.If necessary I CAN show other examples of this forgery!!
Consumer complaint received 2021-08-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (CA)

AD ASTRA RECOVERY at XXXX XXXX XXXX XXXXXXXX XXXX, KS. XXXX has been sending me collection notices in the amount of {$230.00}. the collection is being reported as late balance. I do not acknowledge AD ASTRA RECOVERY and have not every done business with them. Nor have i agreed to any terms or have a written contract with AD ASTRA RECOVERY, they are harassing me with negative reporting, they have failed to provide the proof of signature i requested numerous times.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I was contacted by Freedom Mortgage on XX/XX/2019 by XXXX XXXX asking if I would be interested in reducing my interest rate on my current mortgage with them at no cost to me that Freedom Mortgage would be paying for everything that the only thing I would have to bring to the table was FHA upfront mortgage premium. After our discussion she sent me loan disclosures. She asked that I send her back a copy of a utility bill. I sent the information that afternoon and then called back on XX/XX/XXXX to verify she received everything. She said she did and I had several questions about the information. She at that time in fact said that after running the numbers while we were on the phone the loan would not have enough time to close in XXXX so I would be able to skip both XXXX and XXXX mortgage payments because it would close toward the middle to end of XXXX. I was thrilled especially since the holidays were coming up so I agreed to move forward. That is where the issue happened. After a week and 1/2 I had not heard anything so I called to check on the status. I was told not to worry they were working on it. I asked to have XXXX call me and left a message. She did not call back. I then sent an email. I did not hear back. I then got information via email on XX/XX/XXXX from XXXX XXXX telling me they were working on my information and if I needed anything to contact her. I emailed back because it said to stay current with my payments during this process and I asked about what to do about my XXXX mortgage that I wanted to make sure it would not count against me and XXXX emailed back on XXXX XXXX and said to make sure to continue to make my mortgage payments until I hear back. I then picked up the phone to call her and got her voicemail. I told her that concerned me because I was told I would get to skip my XXXX and XXXX payment to please have XXXX XXXX call me back to explain or could she call me. Again no return call from either one of them. I sent emails to both as well with no response. I then got an email on XX/XX/XXXX with closing documents. When I looked through the documents I was dumbfounded because not only was the amount I was to bring at closing doubled but also the closing date was within a week. I was told we would not close until the middle of XXXX and that is why I would be able to skip XXXX and XXXX mortgage. I emailed XXXX and XXXX and left another message for both. Still no response. I have left 3 additional messages for both ladies with no response to any of the phone messages or emails. I then called and asked for a manager. Last Thursday I spoke with a manager who said he would look into it and call me back Friday. It is now Monday evening and still no return call. I have called and asked for a manager and keep getting a voicemail of someone different each time. I left messages now for both girls managers and have been on the phone over an hour to speak with the escalation team and no one has picked up. This is absolutely ridiculous and I think they are attempting to try and churn loans.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}