davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (MI)

This is complaint and day Lost count. Pnc bank has dtolen money from myself and my Mothers estate that was left to her by my father. She left us 2 cd 's both IRA, one was worth just shy of XXXX, the other as of XX/XX/, it matured to XXXX. Now the bank claims it never exsisted. I have been wieghting 3 almost 4 montgs cost mr {$35.00} in XXXX fees and still nothing, but lies as to why it has not been fufilled. It is a travisty tbat this company treats its deaceased employees families as they do!
Consumer complaint received 2023-04-20
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. (PA)

Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX  {$1500.00}
Consumer complaint received 2018-07-04
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. (DE)

Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

My name is XXXX XXXX, last XX/XX/2017 I placed order online from XXXX they took the payment of {$300.00} in my XXXX Credit Card. Synchrony BankXXXX XXXX. XXXX XXXX Fl XXXX Credit Card provider. Seller email me, my stuff deliver XX/XX/2017. I call the XXXX Customer Service, I havent receive my stuff? They told me gave some couple of days, it could be delayed? After a couple of days I call them again and tell them Ive havent receive nothing? And I want a full refund of my money back. The customer service giving me a hard time for my full refund? And asking me a lot of things to do? They took the payment right away in my XXXX credit card and I didnt receive my order? What a big SCAM? I disputed this issue in my XXXX Credit Card Synchrony Bank many times, same as XXXX they dont want to help me or to give me a credit back of {$300.00} or refund my money back? I spokes to Synchrony Bank Customer Service. I am not going to pay the outstanding balance of {$300.00} in my XXXX XXXX, unless if you give a Credit back or refund my money back of {$300.00}? I told them to close my Account XXXX ending in XXXX. I am afraid theyre going to destroy my excellent credit history that I taking care for so long? I always pay them on time and most of the time ahead? You can verify it to Synchrony Bank? And now they dont want to helping me to refund my money back? I spokes to this Synchrony Bank, you required the merchant a receipient document with my signature on it? Proofs indeed I receive my order? The merchant cant provide that documents? Please helping me to refund my money back from this Synchrony Bank/Amazon. And please helping me to protect my Credit History in four Credit Bureau? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2018-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

My loan servicer was XXXX XXXX XXXX ( PHEAA ) and I refinanced my loans in XXXX/XX/XX/XXXX to another institution. I received Paid in Full notices from PHEAA to all 8 of my individual loans ( 4 subsidized, 4 unsubsidized ) on XX/XX/XXXX. I received an additional confirmation on XX/XX/XXXX that I had a XXXX balance after I received an erroneous billing notice emailed to me. In XX/XX/XXXX I was notified that I had a balance due and they reported to the credit bureaus that the loans were no longer closed. I called PHEAA and they described an audit process where they uncovered that they had miscalculated interest and they corrected it resulting in me now owing a balance.
Consumer complaint received 2023-04-20
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. (GA)

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Consumer complaint received 2023-04-22
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: GOLDMAN SACHS BANK USA (TX)

My Apple Card has been restricted since XX/XX/2023. Since this process first started, Ive reached out to Apple Support numerous times and have followed all instructions provided to try and have this restriction lifted. Steps include resetting my Apple ID password and verifying my identity with Goldman Sachs. The restriction has been lifted temporarily twice, and each time it becomes restricted again as soon as a use it to make a purchase. This brings my account restriction total to three over the past few weeks, with zero explanation each time this has occurred. Despite continuing to follow their process and expressing how much of an inconvenience this is, my account still remains restricted with no ETA for resolution or guarantee that this will be a long-term fix.
Consumer complaint received 2023-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (NY)

Hello. I received a letter in XX/XX/2023 from R.T.R Financial Services Inc stating that a debt of {$87.00} is past due to XXXX XXXX XXXX. I was given an option to dispute debt which I did asking them to provide me more information or statement of this debt. On XX/XX/XXXX received another letter stating that R.T.R Financial Services Inc urge you to make full payment at once by remitting the balance due in the enclosed envelope without providing me any statement of this debt which I requested to ensue this debt is owed by me. Further more they started harassing me by placing calls from phone number XXXX. 
I think this is not my debt and if it is I need statement of debt information. 
This harassment needs to be stopped. My account number listed on the letter received is XXXX. 

Thanks.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Best Buy Citi card, unwanted fee XXXX XXXX XXXX They signed me without explain, over 10 years. Tried call them cancel it but not guarantee for refund. 
They charged {$17.00} for over 10 years more than {$2100.00}. 
I did not notice until now buy called them to cancel it but still charging.
Consumer complaint received 2023-04-20
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

Enhanced recovery compan keep calling me from multiple number about a XXXX XXXX account of {$690.00} that I see on my credit report but I do not have any knowledge of this account. I would like for this company to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.
Consumer complaint received 2023-04-20
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: Berlin-Wheeler, Inc. (Kansas) (NV)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #  XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank is compromising my privacy preference and refusing to direct their mail to my mailing address which is a XXXX XXXX XXXX as I indicated on my Wells Fargo account profile. all the Wells Fargo answers I received regarding this issue are misleading and excuses that are not related to this problem. 1- For more than Two years and more than Fifty complaints now I am trying to fix this issue with Wells Fargo that does not indicate any existence. it is like talking to walls. Today also I received a letter from Wells Fargo regarding my account to my physical address. The Wells Fargo employee 's policy seems to be that lies will wash the problems. The more lies those employees are doing the deeper the problem is getting. Wells Fargo has no managers on duty, the XXXX employees are working from the comfort of their homes doing whatever they please with the customer 's account without any regard to the laws and regulations and without any regard to customer privacy preferences. This bank has no website or email contact for complaints ; this is why most of their customers come here to complain. Even the Wells Fargo employees who answer to the complaints here do not tell the truth and do not try to find a solution, they only answer by misleading statements. 2- every time we sign into our Wells Fargo account, we face a large pop up that covers the whole page it is destructive and annoying and waste of time and tricky if you click on the page you will be switched automatically to paperless statement, it is difficult to find a way to close it and more difficult to get rid of it even after more than 6 months and more than 20 of complaints this issue has not been solved. Wells Fargo 's employees seem to be working without any supervision and the bank is running without good management. A good management for sure will not accept this to happen to the customers. At least Wells Fargo should respect the privacy of the customers and follow the privacy preference as indicated on the customer 's account. but to whom we complain other than to CFPB. when the Wells Fargo Employees and the supervisors and the managers and the CEO are never on duty to serve the customers, but they are always at the comfort of their home doing whatever please them without any regard to the customers. I am not expecting a true answer from Wells Fargo for this complaint as my last Two years ' experience convinced me that I will not hear the truth from Wells Fargo. Notice I have been a Wells Fargo customer for more than THIRTY-FIVE years and I never had to complain this way till Two years ago when Wells Fargo moved the customer service overseas, changed management and CEO. I attached copies of many of the Wells Fargo letters that I received illegally to my physical address and i have many more to be provided upon request. So, Wells Fargo can not lie again and say only one letter was sent to your physical address.
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. 

This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. 

The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX  and XXXX  of my own house, etc. I need an investigation and help.
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Auto Properties II, LLC (MD)

Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my XXXX chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on XXXX XXXX XXXX XXXX. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Block Request - ( XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$1000.00} ) ( XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$300.00} ), INQUIRES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Dear Sir or Madam : I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-20
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. (GA)

Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account Number XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-20
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. (GA)

Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-20
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: Convergent Resources, Inc. (AL)

The company that shows up on my XXXX credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with XXXX, but they still said it was valid. Is is 100 % not valid for two reasons.