davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (NJ)

PNC Bank sent me a letter stating that my account would only be reported as " Account paid for less then full balance '' but after looking at my credit report, they are still reporting the current status as a charge off, then previous listed the account as a repossession from XXXX 2012 until XXXX 2012 which is not true. How can this account be a repossession? It is not a vehicle.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

I have reached out to the following Companies to dispute these following items and request the info that was provided when these accounts where opened like my signature and current id and hey have not been able to verify these items which shows am not responsible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (SC)

Bull City Financial Solutions committed identity theft by unlawfully furnishing inaccurate information on my credit report without obtaining my consent, which is a violation of my rights as a consumer. They acted without authorization, misrepresenting my financial situation to credit bureaus, which constitutes a fraudulent use of my personal information. This act caused damage to my creditworthiness, and their actions lack proper legal or contractual grounds, making it an instance of identity theft under consumer protection laws.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I have been trying to dispute items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-22
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: Heritage Financial Group, Inc. (IL)

I notice an account on my credit report that I didn't authorize from HERTG ACCPT last reported XXXX XXXX. Reported balance {$16000.00}. I tried to dispute it through XXXX I never got a response.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HOVG, LLC (IL)

I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On Thursday XX/XX/XXXX I received a text message from Chase stating Chase Fraud : We declined {$360.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. I replied NO and received a follow up text that my card would be closed and Ill receive a new one in the mail but instead someone was able to make additional purchases. I called immediately after my shift at work. I received a credit pending their investigation. On Monday XX/XX/XXXX I received an email to review account documents which informed me that I am responsible for all charges ( except for a {$1.00} purchase ) because Signature on this transaction matches signature on file which is impossible because I was working during the times of the transactions. I cant be in two places at once.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Meridian Financial Services, Inc. (AZ)

This account is closed with a XXXX balance it is not a collection. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request this account to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on this account has been cancelled.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: UNITED AUTO ACCEPTANCE (GA)

I purchased a car from XXXX XXXX  in XXXX Georgia on XX/XX/XXXX of this year, I paid part of the down payment {$1500.00}, and was supposed to make pickup payments starting on XX/XX/XXXX, well they messed up the paperwork and put XXXX XXXX  as my first payment due date. I'm a XXXX veteran and only get paid once a month, so they knew I couldn't pay again until XXXX because of my pay schedule and my bills. Well on XX/XX/XXXX united auto acceptance repossessed the car and told me I would have to make the " late '' pickup payment and pay the repo fees as well to get the car back. Well finally after days of calling both pars cars ( and leaking there XXXX miles XXXX way over multiple days ) and United auto acceptance, we finally got the car back on the XXXX as XXXX XXXX who worked at United auto acceptance let us get the car back and sign and new contract with pars to correct it to the due date the bill was supposed to be so we wouldn't have this problem again. The issue is that pars cars should pay the repossession fees, since it was their mistake and they even admitted they messed up, however I still have to pay for the repo fees on top of the pickup payment.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (OR)

I am writing regarding derogatory marks on my credit report that have directly resulted in : - Denial of my recent loan application - Increased interest rates on existing credit accounts - Ongoing financial hardship - Significant emotional distress
Consumer complaint received 2023-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (CA)

I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I have been denied access to my online mobile banking app. The financial institution has placed a block and wont allow me to log in. They are restricting my access. I need access to do an external bank transfer and get my funds transferred to my other bank. I can not do this without logging in. I have spoke to 3 different people that cant help. They wont give me information, wont lift the block, telling me there are no supervisors available, etc. 
I have a family with XXXX little children. I have close to {$3000.00} in my checking account that they wont give me access to. This is also a new checking account and I have not received my bank debit card yet so I cant use an atm. There are also no Citibank branches where I live here in Texas. This is bank negligence and the institution needs to be held accountable.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I have recently obtained a copy of my credit report and have noticed the following inaccurate account and unverified. This incorrect account is negatively affecting my credit rating and causing unnecessary financial strain. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Company name : Credence resource management Date : Reported XX/XX/year> Amount : {$840.00} Account number : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationExperian. Please delete the following accounts. XXXX XXXX. {$1400.00}, XXXX XXXX Balance {$200.00}, XXXX XXXX XXXX Balance {$38000.00}, XXXX XXXX XXXX Balance {$130.00}, XXXX XXXX Balance {$0.00}, XXXX Balance {$0.00}, XXXX XXXX Balance {$870.00}, XXXX XXXX XXXX  Balance {$35000.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. 
Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S.

Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
remove the following accounts from my profile immediately XXXX XXXX XXXX XXXX XXXX Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
Transuion, XXXX, XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EQUIFAX, INC. (GA)

Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

I took over my fathers trust mid XX/XX/XXXX and have been successor of the trust since then the company Green tree servicing is who I had a forbearance with then some how in XXXX they where sued by cfpb and I never heard anything from them again then XXXX hit XXXX hard and then after I never heard anything from anyone I tried reach out to XXXX XXXX XXXX BUT WAS UNABLE AND UNSURE HOW TO GO ABOUT HANDLE THE Loan so I was receiving anything an no mail was coming to the XXXX address the fast forward to XXXX XXXX still never informed me and began a foreclosure action against my fathers trust knowing that he was deceased I was never notified and then in the XXXX of the foreclosure proceeding XXXX XXXX sold the loan to shellpoint llc and when they transferred the servicing over to shellpoint Loancare had given the new servicer a XXXX XXXX and none of the documents bills nothing from shellpoint went to the XXXX address I have sent in Notice of errors and asking for resolution this has been going on for months I would really like some sort of help
Consumer complaint received 2023-04-21
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: TRANSWORLD SYSTEMS INC (TX)

I am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXXXXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Adverse Action Dear AMERICAN EXPRESS, I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a A BUSINESS CREDIT CARD FOR XXXX XXXX XXXX XXXX XXXX. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in XXXX U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by AMERICAN EXPRESS due to the response I received.

AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

They sent a check to the wrong address and they are wanting to wait to 120 days due to sending it to the wrong address and they will not refund unless 120 days or returned in the mail. They said they sent it in regular mail. XXXX days was sent out the XX/XX/XXXX said it has to be returned or sent back returned or wait till XX/XX/XXXX to reissue when they can stop the payment right now have tried to work them to no way have they tried to correct it. Should have sent it certified