davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal sent by certified mail on XX/XX//18. I  received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by Portfolio Recovery Associates is inappropriate, as it does not acknowledge my settlement proposal and attempts to collect money that I do not owe to them. I question that my letter was even reviewed.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

My current address is listed as my previous address and my last previous address is listed as my current address, despite updating my address with all credit card companies, utilities, and lenders to the best of my knowledge. Upon trying to file a dispute twice on XX/XX/XXXX, I received the error " We're experiencing technical difficulties and can not access your report at this time. ''
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

IN YOUR RESPONSE FROM CFPB:XXXX YOU STATED THAT THESE INQUIRIES DO NOT APPEAR ON MY CREDIT REPORT. HOWEVER, I HAVE ATTACHED A COPY OF MY CURRENT CREDIT REPORT WITH THE SAME INQUIRIES REPORTING ON MY CREDIT THAT I HAVE PREVIOUSLY DISPUTED. 

THESE INQUIRIES DO NOT BELONG TO ME XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MD)

The company accepted a reduced settlement over 2 years ago, then last year sent another reduced settlement notice. They told me at that time they would cease collection. Then this year a new company sent a notice to collect the remaining balance. Therefore, the first company send this paid debt to a new agency for collection.
Consumer complaint received 2019-03-09
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. (OH)

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX  # XXXX 7.XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which has caused me severe XXXX and anxiety upon finding unverifiable, invalidated, inaccurate and questionable items that the credit reporting agencies are reporting on my credit report. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. Code 1681e ( b ) and 15 U.S.C. Code 1681i ( 5 ) the following accounts are in violation and not reporting 100 % accurate as well as violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. Acount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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. states : A consumer reporting agency can not furnish an 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 ) states : 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 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Monthly Fees. 

During a routine banking visit, it was recommended to me to open an additional checking account for security. To use for internet purchases so as not to disclose my main checking account. As there was no fees involved I took up the offer. 

I was recently charged {$25.00} as my account balance of my two accounts dropped below {$20000.00}. I've had the account open a number of years and generally keep a healthy balance so I've never incurred any fee. As I've started using another bank with a better savings rate for the first time my balance fell below $ XXXX. 

My complaints are these : 1. I was sold the original account by Wells Fargo on the basis this was a security measure. I didn't really want the account in the first place 2. At no point has it been explained to me that there was a requirement to maintain a balance over $ XXXX. I would not have signed up to account with this requirement, and if I did it was buried in the small print where I wouldn't have seen it. 

It's completely unethical banking practices. I am going through the complaint process with Wells Fargo. I'm sure they will refund me the {$25.00}, but I think it's important other consumers are informed/protected about these practices.
Consumer complaint received 2019-03-10
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: Innovis (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Consumer complaint received 2023-02-17
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-02-16
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. (GA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

Hi, Citi Bank reached out to us with an email saying that we will be receiving a {$1500.00} opening bonus when depositing {$100000.00} and maintaining a balance for 60 consecutive calendar days.

We went to a branch and open an account with a banker on XX/XX/XXXX. It has been over 6 months now and we have not received the opening bonus from the bank. We reached out to the bank several times and opened tickets with different departments, however, the issue has not been resolved. 

We maintained over {$100000.00} in our account from XX/XX/XXXX - XX/XX/XXXX which is eligible for the bonus. Could anyone assist us with this? 

Thank you.
Consumer complaint received 2023-02-17
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. (NY)

An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2023-02-17
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. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 15 US-CODE 16921 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-15
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. (TX)

I have XXXX XXXX XXXX XXXX on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (LA)

COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency BONNEVILLE COLLECTIONS Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

A creditor on my consumer credit report sold my account to a debt collection agency. I had XXXX knowledge about this activity. They collection agency then proceeded to call me and was able to get payments from me. I have the scheduled payments dates. I believed it was fraud because my balances were never being lowered on the past due accounts. I stopped paying and told them not to contact me. A year later and Ive been disputing my account with the original creditor ( XXXX XXXX XXXX XXXX ). They gave me knowledge that they sold my account and actually got it back from XXXX XXXX XXXX my information has been in so many different hands I know it is many violations that has occurred. The balances are all wrong and its causing mishap on my credit report. I want to sue each of these companies and get this auto debt account off of my credit report.
Consumer complaint received 2023-02-10
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. (LA)

My name is XXXX 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 2023-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Good morning My name is XXXX XXXX, i have a home loan number XXXX with citizens bank for my home XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and i paid the first XXXX mortgages as the amount i agreed on {$3500.00} but i surprised that the bank send to me a shortage in amount of {$150.00} will be paid every month till the end of the year to be {$3700.00}, i didn't delay for any payment for any shortage, if they miscalculated and when they reviewed they found a shortage it is still not my fault, so why charge me more I need your help please in that issue or direct me for who may help, Thank you XXXX XXXX XXXX
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I called the bank due to unauthorized charges from a XXXX service since XX/XX/2018. Chase bank was only willing to refund me XXXX charges since XXXX till XXXX when in reality most of the charges happened in XXXX. There was about {$120.00} that was charged on my card in one day and their l fraud department failed to do the investigation work to refund me the unauthorized charges. When I told the representative why she didnt go back 60days from today she said thats not how it works. When I asked her if I can file a different claim she said no. Basically unwilling to work with me and gave me attitude for something that was not my fault.
Consumer complaint received 2023-02-11
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)

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. 

Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX : # 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 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

PayPal credit Synchrony bank claims that an ACH payment attempt was made on XX/XX/2023 through my XXXX  bank account and returned unpaid. XXXX  has no record of the XXXX attempt. PayPal/Synchrony is unable to explain the failed ACH attempt. There is a {$30.00} charge placed on my account. I have been paying my monthly payment with this same method for years. After a phone call on XX/XX/2023 Synchrony bank has received payment directly from my XXXX  account. 

Also PayPal Mastercard has an issue with excepting payment through their website portal. I have spent over an hour on the phone with PayPal and Synchrony bank neither of which can explain the failed ACH attempt or the failure to except payments through their online portal. 
Synchrony bank claims that they will remove the {$30.00} fee, but I have not seen the return as yet. 
I have spent over an hour on the phone with PayPal technical support with no resolution to the payment portal issue or the failed ACH payment.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

Dear sir or madame, My Amex Membership reward points were frozen and the company did not solve the issue after I contacted them. 
From XX/XX/XXXX to XX/XX/2019, I had >140k MR points and there was a promotion of point transfer for XXXX points in Amex they refused me to do so. Amex representative asked me to talk to another department which did not help either. It is very frustrating.

Please help me to solve this. Many thanks.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/2021, I add two lines an older line I got from XXXX mobile. I bought the cell phones from them when to activate them I called the xfinity mobile the agents keep asking an account number from other company ( XXXX  ) then I didnt buy the cell phones from XXXX  XXXX for this reason the cell phone stay home for many months and Xfinity mobile never sent any laber to send back the cells phone to them. From this time, XXXX keep charging me money even I canceled services from them until complaint them before to The federal consumer. 
I pay for every month {$45.00}, I didnt stay stopping pay for many months. 
I receive from Sequium Asset Solutions LLC a letter to ask me money. 
I request to stop this company to keep calling anytime. 
And XXXX mobile must pay me the penalities because they tried to take money from me unjustly. 
Please help me to resolve this issue I called before for Thank you XXXX