davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AAA Collections (NE)

A male called from ( XXXX ) XXXX. I've informed AAA Collections XXXX Advanced Asset Alliance Company ) that I am a XXXX XXXX and DOT regulated. I informed them that I will need to be contacted via mail due to my work hours and being unable to be on the phone and drive. The male on the phone became hostile after I asked my request and he started harassing me about whether or not I'll even pay a debt or do my responsibilities. I informed him multiple times that I need to get off my phone and the agent wouldn't comply and only continued to verbally harass and belittle me. This took place today XX/XX/2023 at XXXX. I'm unaware as of the amount at this time, since I've yet to receive any info in the mail on this claim.
Consumer complaint received 2023-08-16
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. (IL)

This is my MULTIPLE Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX  XXXX Bankruptcy Reference XXXX XXXX  XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2023 a collection from XXXX XXXX XXXX was added to my credit report. The collection is not mine and I never signed a leasing agreement claiming financial responsibility of the residence. No court documents were filed against me for the residence, whatsoever.
Consumer complaint received 2023-08-16
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NY)

This bank treats me horrible after being a car holder for years they shut me down and its been years Ive been trying to open an account now recently I was declined due to the past accounts that were closed by them I find this unfair that they let me bank with them again I was never told I wouldnt be able to have account now or the future but they are making it very difficult for me to have new accounts with their bank they hate me and dont want to do business with me but I wasnt a bad customer I dont see what the problem is
Consumer complaint received 2023-08-16
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. (NC)

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Foris DAX, Inc. (NJ)

XXXX ) I have ice white staking at crypto.com that gives me free XXXX via rebate. I submitted my XXXX monthly payment but didnt receive any rebate. When I asked why I wasnt given rebate, crypto.com misled me by saying I am in a lower level of staking and not eligible for rebate ( please see below for more details ). 

Dear XXXX XXXX, Please note that as per the latest update you can find here https : XXXX existing Jade Green XXXX XXXX Indigo XXXX and XXXX XXXX Crypto.com  XXXX XXXX who XXXX their Card before XXXX XX/XX/XXXX, XXXX XXXX will enjoy the merchant rebate benefit ( XXXX ) ( XXXX, XXXX ) tied to their current Card tier for XXXX more months ( until XXXX XX/XX/XXXX, XXXX UTC ). Thereafter, cardholders will no longer receive XXXX  reimbursement ( XXXX ) when spending with these merchant ( XXXX ). They will instead receive up to 2 % back when spending with these merchants with their Crypto.com XXXX XXXX, depending on their card tier. However, in your case, this is not applicable due to the recent restriction on the Cashback rewards. 
I hope you find this information useful. 
Kind regards, The Crypto.com XXXX XXXX Crypto.com XXXX ) I used my crypto.com debit card when I checked in at XXXX XXXX on XX/XX/XXXX and was asked to leave a card on file. My debit card had a balance reduction of {$480.00}. Card activity shows pending but I have {$480.00} less in my account. Normally when I leave a card at hotel check in, it goes away a couple days after I check out. It has been XXXX weeks but crypto.com hasnt returned my money. It is like taking an interest free loan from me. I asked them and wasnt get any response a few times before finally they told me it may take up to 60 days to return my money. This is unacceptable to me
Consumer complaint received 2023-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My wife and I went to our bank to get a HELOC as a bridge loan. We were told specifically and repeatedly by the loan officer that the interest only payment on the loan would be {$250.00} per month. We trusted the loan officer and the manager who told us this. When I went in after getting {$200000.00} to help our daughter purchase a home I learned that the DAILY payment would be {$45.00} which of course is {$1300.00} per month. 

We were told that the loan officer and the manager had been fired due to these kinds of issues. I was also told by the new manager that the loan officer who fraudulently told us this was found to have a customer 's credit card under her mousepad that the new manager found upon moving into her office. 

We only need this loan for approximately 45 days until we sell our home. This predatory lending by these officers of the bank is unacceptable. I have been banking with Citizens Bank for about 30 years. The XXXX XXXX XXXX has our building loan with them. We are all appalled by the actions of our bank and seek relief from the CFPB.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MD)

This is regarding SYNCHRONY BANK/AMAZON account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2023-08-16
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-16
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. (KY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I called into equifax as I did not have access to my old e-mail and phone number that was linked to my equifax account. After verifying my information, I was put on hold for over 30 mins waiting for a customer rep. After getting a hold of one, it took them 10 mins to only update my email address and phone number. When I tried asking if they could stay on the line while I tried to reset my password, they cut the line. I then tried to reset my password but kept getting the error " We are temporarily unable to complete your request ''. It's been over 12 hours and I am unable to freeze my credit report. Very disappointed in equifax, but is that ever new with them.
Consumer complaint received 2023-08-15
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. (CA)

On XX/XX/2023 I took my son to the AutoNation XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter from his bank, XXXX XXXX. When he presented the approval to the salesman, he came back and said that the finance XXXX would not accept the pre-approval letter unless my son had a " back up signature ''. Little did I know, they were hinting that I needed to be a co-signer, When I gave the salesman my ID, He came back and said my son was approved for {$38000.00} plus fees for the XXXX and he needed my signature. I immediately asked to see the paperwork and discovered that the finance department had ran my credit without my permission, and wanted to use me as a co-signer. I was furious. I told my son we are not going to those papers because they ran his credit without permission as well, changed the interest rate from 7.9 % to % XXXX, and raised his payments to {$900.00} a month, from {$700.00}. This did not make sense because his preapproval letter was good for {$67000.00}. We then realized they were trying to scam us in order to use their own banks to finance the vehicle. That's fraud. So, we both backed up from the table and left. Now there's XXXX hard inquiries on my credit report!
Consumer complaint received 2023-08-16
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. (NC)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (IN)

This is a notice that XXXX XXXX XXXX XXXX has failed to resolve my dispute. After several attempts at requesting specific documents to resolve this matter, we have not yet come to a resolution. I have sent you a Notice of Dispute Letter and a Debt Validation Letter making them aware of my requests. 

XXXX XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act, they have communicated with me ( the consumer ) in connection with the collection of a debt, which is a violation because a debt collector may NOT communicate with a consumer in connection of any debt, they have failed to properly respond, failed to provide the requested documentary evidence, and they have failed to provide me with the required disclosures, which are all violations of the law. The erroneous attempts to collect this alleged debt and its erroneous reporting is causing me emotional stress and financial hardships. They have neglected to provide me with the necessary documents on several occasions and they have willfully been noncompliant with my requests. 

This will be my last and final attempt to resolve this matter before I pursue litigation. They have 15 days from the date of this complaint to comply with my request for monetary relief due to their violations, the emotional stress, and financial hardship they have caused me and my family.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Second Round Limited Partnership, Austin, TX Branch (PA)

I have diligently made numerous attempts to establish communication with the esteemed legal entity of XXXX, XXXX XXXX XXXX, XXXX, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. 

In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by Second Round Sub , LLC. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, XXXX, XXXX XXXX XXXX, XXXX, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. 

I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in XXXX of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. 

It is with a sense of unease that I apprehend the notion that XXXX, XXXX XXXX XXXX, XXXX, XXXX be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (CO)

In accordance with the fair credit Reporting act XXXX XXXXXXXX Account # XXXX and XXXX XXXXXXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.