davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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: PNC Bank N.A. (PA)

On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

Upon calling what I though was my existing mortgage company XXXX on the XX/XX/2015,  I was informed that my account was transferred to SETERUS INC. on XX/XX/2015, but I never received a letter informing me of this change and therefore had sent to XXXX XXXX payments XX/XX/2015 in the amount of $XXXX XXXX check number XXXX and XX/XX/XXXX in the amount of XXXX (customer service representative could not locate a check number for XXXX payment) which XXXX says they forwarded to SETERUS INC. on those dates.

My complaint and deep concern is that I have NOT received any "welcome" letter from SETERUS Inc. giving me my new account number and any other information that I will need to communicate with this company and therefore have no way of sending in my next payment before it become late, which I am sure is a tactic used for collecting late fees.

This company has purposely decided to make it impossible to contact.  They have only XXXX published number, which they never answer, since I have been trying for over a week now.  Also, they do not respond to emails sent to them and I can not log into its website, because I do not have an account number, which is a required piece of information.  I do not know where to write them via U.S. snail mail and that would take a lot of time, being that I just discovered that my account was transferred and again, I have no account number to attach to a letter.
Consumer complaint received 2017-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (TX)

On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.
Consumer complaint received 2017-04-24
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)

In response to my dispute to Equifax to Validate public records listed under my name, Equifax has somehow obtained my personal pay stubs listing my income along with other private information showing how much I pay for my 401k and how much money is deducted from my Social Security. This is a privacy breach because I never gave anyone AUTHORIZATION to obtain or furnish my paystubs containing my income.     Equifax has already deleted this from my credit file after my reinvestigation and has now reinserted this information back to my file without prior notification to me.     In failed efforts to provide VALIDATION on the public records Equifax contains in my file Equifax has now violated me by obtaining identifiable information by mailing me copies of my paystubs.     Using my personal paystubs as a document to support or validate the public records is a privacy breach and consumer violation as my paystubs does not support the case of VALIDATION to information contained in ones file on filing for. Equifax contains in my file is not public record. My personal income is not public record.
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
Consumer complaint received 2017-04-24
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: AMERICAN EXPRESS COMPANY (NY)

I opened th e Amex P latinum card with  XXXX  points bonus offer in   XXXX  .   Amex claw backed  XXXX  points and there was case was opened to determine the problem.   Amex closed my card in  XXXX . After the card is closed  by Amex , their me mbership rewards team concluded previously opened case saying that it was mistake on their side and they can re-issue  XXXX  points but account needs to reopen. I was told account can not be reinstated also points can not be redeemed.     After they closed the account I also got the letter from Amex saying that I can redeem points within 6 months but now they are saying no.     Amex did n't give me the opportunity to redeem  XXXX  plus membership points.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have just received information from CFPB about a dispute I filed with the collection agency XXXX XXXX XXXX '. The response to my dispute is that the collection agency removed the erronious collections report BUT only from XXXX Credit Bureau, XXXX. The XXXX other Credit Bureau 's have not been contacted by this collection agency to remove these errors, XXXX and TransUnion - even after I acquainted this information on MY credit report to them XXXX times, which they agreed they reported in error. 
This has been an ongoing issue since XXXX/XXXX/2015 with many hours of work that I have done ( more than XXXX hours daily since XXXX/XXXX/2015 ) to correct this abusive and now malicious, incompetent reporting that has caused me a great deal of distress! ( XXXX credit Bureau informed me that my credit score dropped more than XXXX points because of this collection report! ). The collection agency XXXX XXXX XXXX ' have always agreed, each time that I have called and spoken with the secretary thru the manager, that it was a mistake and that they would correct it or have it removed from MY credit reports. This has NOT been done except the correction with XXXX and that was changed only because of myself filing my dispute. 
I have gone thru, in detail, the information with the FCRA and have found several discrepancies in the steps that are legally required for the collection agency XXXX XXXX XXXX ' should have adhered to with MY situation. They have illegally ignored or are very inept with any knowledge of the steps for credit reporting, removing the incorrect information, and many more innumerable legal required practices. I have discerned any and all steps I can legally attain because of their incompetent actions. I have the data that I acquired if needed. 
This is a very disconcerting situation with this collection agency XXXX XXXX XXXX ' and I am asking what steps, if possible, that you are capable of taking with their illegal practices of the FRCA?
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. ()

I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.
Consumer complaint received 2023-02-02
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. (WI)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$94.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I have both federal and private student loans. My federal student loans are under a payment agreement, however, the private student loan lenders will not work with me. All of my private student loans came out of deferment in XXXX of 2016 or within a month or two of that time period. I gave XXXX in XXXX 2016 and then had a 3 month unpaid XXXX leave. Now that I am back at work I am struggling to pay for child care and get back on my feet. It seems at this point the student loans will have to go into default because I do not have the money to pay the lenders. My complaint is that if the lenders would help I could and would be willing to pay. Also, for my loan with Citizens One I owe more in interest then the beginning balance of the loan. I originally borrowed {$8600.00} and now owe {$16000.00}. I have student loans with XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NY)

FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TN)

The previous investigation has not resolved my dispute regarding the accuracy and completeness of this trade line being reported on my consumer credit report.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 168i ( a ) ], these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation and verification constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Upon filing MANY complaints dating back to at LEAST XXXX 2017, at NO TIME did Ad Astra EVER delete their trade line from my credit report at all. In doing so, Ad Astra violated section 611 ( a ) [ 15 USC 168i ( a ) ] of the Fair Credit Reporting Act, by the mere act of reporting of any item involving their company, they were commencing collection activity. This is an ABSOLUTE VIOLATION of the FCRA! Ad Astra has never at any time had a LEGAL contract between their company and myself, with MY SIGNATURE. I have no legal obligation to Ad Astra, as I have never, at any time signed any contract with Ad Astra or ANY company they claim to represent.
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Blakely-Witt & Assoc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Blakely-Witt & Assoc. This was a Apartment Lease and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a XXXX XXXX XXXX has 30 days to validate the debt. In my case my debt was never validated by Blakely-Witt & Assoc. In this case the debt should be removed from my credit report and out of the office of Blakely-Witt & Assoc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Escalation of Unresolved FCRA Violations by Experian - Third Notice I am filing this third complaint against Experian for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 2. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Experian has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by XXXX after XXXX XXXXays This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Experian to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Experian to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Experian 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Experian provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.