davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PINNACLE FINANCIAL PARTNERS, INC. (PA)

I am a practicing dentist in XXXX, PA and own my own private practice. I have never practiced dentistry outside of Pennsylvania in over 15 years. Sometime in either the XXXX of XXXX or early XXXX, a checking account was opened with my federal XXXX ( XXXX ) with Pinnacle Bank ( aka. Pinnacle Financial Partners ) in Tennessee. I have never practiced dentistry in Tennessee and I do not have a license to practice dentistry in Tennessee. From this fraudulent account, deposits were being made from checks that were issued from the insurance company XXXX from the period of XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: RELIANCE FIRST CAPITAL LLC (GA)

On Thursday, XX/XX/year> I received a text message from XXXX XXXX XXXX inquiring about a mortgage. At XXXX, Thursday, XX/XX/year>, I unsubscribed from his mailing list via text and email. On Friday, XX/XX/year>, I continued to receive emails and text messages from XXXX. I unsubscribed again at XXXX. At XXXX on Thursday, XX/XX/year>, I continued to receive XXXX emails from XXXX XXXX I called XXXX to stop him from contacting me again, and he ignored my request and continued to sell me his product. 

XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX is in violation of the CAN-SPAM act. Any further contact from XXXX or his company will result in legal action from my attorney.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This letter serves as a formal notice regarding your continued violation of the Debt Parking Rule, as outlined under the Fair Debt Collection Practices Act ( FDCPA ) and relevant Consumer Financial Protection Bureau ( CFPB ) regulations. It has come to our attention that XXXX has engaged in unlawful practices by placing alleged debts on my credit report without proper notification, a clear violation of the Debt Parking Rule. This deceptive tactic undermines my rights as a consumer and negatively impacts my credit profile without due process. 

Furthermore, I have previously communicated, in writing and via email, several other violations committed by XXXX, all of which have been carefully documented. These communications detail additional breaches of federal and state debt collection laws, to which XXXX has consistently failed to respond. Your ongoing refusal to acknowledge and address these violations demonstrates willful noncompliance and disregard for your legal obligations. 

Let this letter serve as your final notice. If I do not receive a full and satisfactory response within XXXX  days, ( XX/XX/year> ) from the date of this letter, I will have no choice but to escalate this matter. This will include, but is not limited to, filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and taking legal action to seek damages for these violations. 

I urge you to treat this matter with the seriousness it deserves. Continuing to ignore these violations will only further compound XXXX 's liability.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I am writing to formally demand that Portfolio Recovery Associates ( PRA ) immediately remove the inaccurate and disputed tradeline currently appearing on my credit report in connection with XXXXXXXX XXXX ( XXXX ) PRA 's continued reporting of this tradeline is in clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I have disputed the validity of this debt, and PRA has failed to provide sufficient verification or documentation to support its claim. Further, this tradeline has negatively impacted my credit score and caused undue harm.

I would like to remind you that PRA has previously been involved in legal action due to similar violations of consumer rights. Specifically, the lawsuit PRA lost, PRA Holdings, LLC v. CFPB, resulted in significant penalties for unlawful debt collection practices, and it is evident that PRA is still engaging in practices that violate federal law. PRA was required to reform its business practices following this case, and it appears that those changes have not been implemented or followed in my case. 


I expect immediate removal of the erroneous tradeline from all three major credit bureaus ( XXXX, XXXX, and XXXX ). Failure to comply within 30 days will result in my taking additional legal action, which may include reporting PRA to the Federal Trade Commission ( FTC ) and initiating a lawsuit to recover damages caused by your unlawful practices. 

I trust that XXXX will take this matter seriously and rectify the situation promptly. 

Sincerely,
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I have disputed this charge for over 2 years. 

Never received any documentation. The company tried to garnish my wages. I applied for an exemption and won because they did not show for court. A year later, they did it again. And again, it was dismissed because they did not show. They have no proof or evidence this debt is mine yet they keep trying to stonewall and bully me into paying by using the court system and threats of garnishments. This company also shows on my credit report as 3 Separate debts in different amounts. They are fraudlent and using illegal practices to collect.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (MI)

I was looking into HELOCs and requested some rates and a quote from XXXX XXXX XXXX I was told twice that this would not be a hard credit pull, it would just be a soft pull. I was concerned with that because I was not in a position to be moving forward yet, this was just exploratory. Very soon after, I received many notification emails from credit monitoring services saying I had a new hard pull on my account. I reached out to XXXX XXXX ( owner of XXXX XXXX XXXX XXXX and he responded by blaming " his assistant '' in running my credit " unknowingly ''. Since that time ( XX/XX/year> ) I've been going back and forth with XXXX, trying to get this removed and getting very little engagement from him. He wont " respond to phone calls, email responses are sporadic, and it's now been almost three months with no resolution. Extremely frustrated by this situation, and with his engagement in rectifying his mistake.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OR)

I have been on mortgage forbearance with Freedom mortgage regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting Freedom almost weekly checking in on this for over a year. 

Freedom recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( VASP ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (CA)

I went into the branch first thing in the morning around XXXX XXXX to do XXXX wire transfers of {$250000.00} each to XXXX different money markets accounts. One was XXXX XXXX  and one was XXXX XXXX. I paid the fees of {$30.00} each I believe and made sure they were completed promptly. When I checked both Banks later in the day they claimed they had not received the wires hours after I did them. I went into the branch the next day and said why was my money not transferred promptly when it was done early in the morning. They said that they processed them as soon as possible while I was there but then it goes to their wire transfer department and they have no control over that. It turns out the wire transfer department at BMO didn't process my wire transfers which ended up with them not reaching the accounts early enough for me to earn interest on them that day ( although they had everything needed to process them easily that day in time for the receiving banks to credit he interest ). The net result was that I lost the interest on XXXX XXXX XXXXXXXX dollars at BMO that day and lost it at the other end on the other XXXX branches. I chose to do my wire transfers originally starting the week before at BMO because they gave me their word that they would process them and I would earn interest over the previous weekend which they also did not fulfill after promising me that they would. I believe this cost me probably about {$400.00} because of bmo 's delays with no reasons provided. To me this is fraudulent practices by bmo. Hanging on to the money but not crediting the customer interest and then not processing the wires so that they accrue interest on the other end is dishonest and seems illegal.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

There was XXXX different charges within a week days on my Best Buy Credit Card. I had lost a previous card so I requested a new one. I never received it and was told I'd have to wait for the card to get to me and activate. Within the time that I waited for them to figure out where my card ended up it somehow was charged multiple times. I didn't even know I could use the card elsewhere until I realized it was used at these places when i went to make my monthly payment : XX/XX/2022 XXXX XXXX {$180.00} XX/XX/2022 XXXX XXXX {$50.00} XX/XX/2022 XXXX Inn- {$50.00} XX/XX/2022 XXXX {$96.00} XX/XX/2022 XXXX {$30.00} These are the biggest purchases made on it. I don't understand how someone else received my card and was able to " activate '' it without having my information I had never used a credit card in my life outside of the store it is meant for and have never been to the specific locations the card was used at I sent bank statements to Best Buy showing my spending habits which they asked for. They sent a letter a month late staying there was not enough evidence to prove I wasn't the one who made the purchases. To this day I never received the replacement card they supposedly sent to me. I have a television under a promotional balance that is about to expire because I couldn't pay it fast enough since those charges were made it is accruing interest and it takes up more than my monthly payment. The really high differed interest is going to hit on XXXX and will only create a higher bill for me which we can not afford.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/year> I sent notice certified mail number XXXX requesting documentation showing the contract i signed with the debt collector evidencing indebtedness to that party. No response was provided to the address from which the notice was sent and now 2 months later the account is rereported on my credit report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (PA)

Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications.

For employment screening ( with my consent ).

For insurance underwriting.

For account review or collection of an account.

Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via USPS, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Premium Credit Bureau (PA)

Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications.

For employment screening ( with my consent ).

For insurance underwriting.

For account review or collection of an account.

Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via USPS, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

{$3800.00} Open balance XXXX XXXX Original creditor Subject : Request to Remove Closed Account from Credit Report Dear CFPB I am writing to bring to your attention an issue with my credit report. I recently discovered that an account that was closed over seven years ago is still listed as open on my report. The account in question is with XXXX XXXX. 

I kindly request that you investigate this matter and remove the closed account from my credit report. It is not accurate or fair for this account to be kept on my report for so long, especially when it has been closed for such a significant period of time. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. Please let me know if you require any further information from me to facilitate the removal of this account from my credit report. 

Thank you very much for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX my wife and I were traveling in Western Virginia on XXXX when I received a text from Capital One regarding fraud on my Capital One Visa card. I pulled into a rest stop and called Capital One and discussed this issue with a customer service representative who indicated that the fraudulent charges were made outside of the U.S. I confirmed to him that the charges I was being notified about were fraudulent. The customer service representative indicated they would be contacting me for additional information. There was one fraudulent charge on XX/XX/XXXX made in Great Britain and two fraudulent charges on XX/XX/XXXX, made in Amsterdam. One or two days later Capital One contacted me and wanted a copy of a current bill showing my name and address and a copy of my driver 's license. Over the next several weeks I sent Capital One three separate scanned copies of bills from three different companies before they were finally satisfied that they really were talking to the real XXXX XXXX. Then, they finally agreed to start their fraud investigation. 
I continued to call Capital One every three or four days to get an update on the fraud investigation but was provided very, little information. Earlier this week I received three letters from Capital One indicating that one fraud claim was resolved but they would not close the other two fraudulent charges. I also received my monthly bill which showed the two fraudulent charges were still pending. 
On XX/XX/XXXX I called the Capital One Fraud Office and spoke with " XXXX '' and her supervisor " XXXX. '' XXXX indicated that the pending fraudulent charges were made from XXXX XXXX by a phone with a unique ID. She stated that since the charges were somehow tied to my XXXX that I was still responsible for these charges.
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (TN)

This is to follow up and I am submitting another Complaint to demand that you correct the erroneous accounts and information. I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am referring to the following accounts and I am demanding an immediate correction of these accounts : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$2700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (NC)

I requested a copy of the amount they say I owe. They did not provide this. They have added this debt to my credit report for XXXX. I have paid what debt they say I owe below XXXX. This should not be on my credit report. This action by this company of adding collections to my credit has affected my ability to obtain housing and could also affect my employment. I have been making regular payments to try and satisfy this debt.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MN)

Chase is reporting 2 cc one of which I never opened. Additionally they are reporting delinquent payments on a card that is verified fraudulent charges. 

Ive tried to tell them many times that there is a fraud XXXX account. I do not have XXXX XXXX. And I was not changing a pin. 

Ive called other merchants and confirmed as well
Consumer complaint received 2024-07-03
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXXXXXX ....