davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NJ)

I am writing to formally lodge a complaint regarding a grave violation of my civil rights and the extreme hardships caused by an ongoing issue with my background check. For the past 14 months, it has been reflected in my records that I am facing potential indictment for a criminal offense. However, to date, there has been no trial, no court proceedings, or any progress on these fabricated charges. 

This false indictment notation has severely hindered my ability to seek and obtain employment, causing undue financial hardship and emotional distress. It is not only a baseless accusation but also a deliberate and cruel way to abuse my rights as a United States XXXX. 

The continued presence of these charges on my background check without any due process violates multiple fundamental civil rights, including : Presumption of Innocence : In the United States, every individual is presumed innocent until proven guilty in a court of law. The false and prolonged indication that I am facing criminal indictment without trial defies this core legal principle. 

Right to a Fair and Speedy Trial : The Sixth Amendment guarantees the right to a fair and speedy trial. The lack of any progress for over a year has deprived me of this right, leaving me in legal limbo without any opportunity to clear my name. 

Due Process : The Fifth and Fourteenth Amendments ensure due process, protecting individuals from arbitrary deprivation of life, liberty, or property. By allowing fabricated charges to persist on my record without any legal proceedings, my right to due process is being blatantly violated. 

Right to Livelihood : The negative impact this false information has had on my employment opportunities constitutes a severe infringement on my right to earn a living. It has effectively prevented me from securing work, causing significant personal and financial harm.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing. I've already filed a report with the FTC ( which is attached ), confirming that this is a case of identity theft.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 consumer report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IQOR US INC (MO)

The companies involved are XXXX and Allied Interstate LLC. I defaulted on these loans in XXXX. Upon default I experienced aggressive collection tactics that I feel were illegal. This complaint is mostly about Allied Interstate LLC though XXXX is the company that contracts this scum and is subject to a relevant lawsuit settlement. They called my co-workers and boss at work. They called my boss at my former job. They contacted my father at work and home. They also contacted my mother ( who had no link to these loans ) at home and work. They talked with my boss about the personal business of my private student loans. On one particular phone call I had with them threatened to ruin my life over these loans. Everything they did was to scare me into some kind of payment. They pressured me into " borrowing '' money from a family member to settle these loans. I ultimately talked my father into settling the loans for me. I was never able to pay him back and that has damaged our relationship. I later found out XXXX was subject to a lawsuit settlement ( link included below ) that I would have qualified for if I hadn't settled the private loans .... I have contacted Allied Interstate LLC since the settlement of my private loans for settlement documentation. The only thing they will provide me with is receipt of my settlement payment. They will not send me any other official documentation of my loan settlement. I would really like to sue them over there tactics however I think it's too late. I was cheated top to bottom by these companies. I know there isn't anything I can do to fix this for myself. However, these companies need to be investigated and shut down. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. Below are all the inquiries that need to be removed from my credit report along with addresses. I have only one address and one telephone number which XXXX XXXX XXXX, CA XXXX and my telephone number is XXXX. 

Below are the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the addresses that need to be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

In XX/XX/2023, I received a letter from Citi, who I had been with for 40 years, that they were closing my checking account. I have never bounced a check and keep a substantial amount of money in my account. They can not give me an explanation why. In XX/XX/2023 Citi cancelled my credit card. I have paid it off in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

The banker at Citibank said that an outside firm, XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX analyzes the accounts and makes recommendations and once the bank is told, they shut down the account and they can not change it. But no explanation of the reason why!
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account fraudulently opened in my name, account number XXXX, originally with XXXX XXXX. Despite my attempts to resolve this issue, it was sold to Portfolio Recovery Associates , LLC, who continues to report a balance of {$400.00} that I do not owe. 

This account was created as a result of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) documenting the situation. However, even after notifying XXXX XXXX  about the fraudulent nature of the account, it was sold to Portfolio Recovery Associates , LLC, which is now reporting the debt inaccurately, causing damage to my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details from my credit report.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX  ( XXXX ) is reporting inaccurate information on my credit reports. I have no knowledge of this account, and it does not belong to me. I have already contacted both the collection agency and the credit bureaus to resolve this issue, but the account remains listed.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I request an immediate investigation and removal of this account to correct my credit report. In addition, under Section 623 ( 15 U.S. Code 1681s-2 ), Portfolio Recovery Associates is required to report accurate information, and their failure to do so violates the law.

I also ask that Portfolio Recovery Associates cease any collection activities related to this disputed account in accordance with the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S. Code 1692g ).
Consumer complaint received 2024-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I went to Wells Fargo XXXX XXXX XXXX XXXX XX/XX/XXXX and met with Wells Fargo employee XXXX XXXX who has processed wires to the recipient ( XXXX XXXX XXXX XXXX ) numerous times for my business XXXX XXXX and XXXX XXXX since XXXX. 
I presented valid Texas state identification in form of drivers license. XXXX processed the transfer and money ( {$140000.00} USD ) was removed from my business checking account. XX/XX/XXXX at approximately XXXX an unidentified Wells Fargo representative called me from a number I didn't reconize and stated he is a compliance XXXX for Wells Fargo and that the transfer will NOT be sent until I provide personal details and information on why I am sending the money. I informed the supposedly representative I do not know him and will NOT be providing anything. The next morning I contacted Wells Fargo XXXX XXXX XXXX XXXX XXXX and informed him what happened. He after contacting Wells Fargo Compliance stated they will not release MY money until they know if I own XXXX XXXX XXXX USA XXXX XXXX XXXX ), why I am sending the money and what I am purchasing with the money. I told XXXX it is my money and there is no law that restricts me spending it on anything and it is no ones bueiness what I am buying. And they Wells Fargo can lookup who owns XXXX XXXX. 
Meanwhile my money has been removed from my account and my vendor has NOT been paid.
Consumer complaint received 2024-07-25
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. (NY)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-18
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. (GA)

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  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IL)

My mortgage was purchased by a company called Freedom Mortgage last year. Im extremely concerned with how theyre conducting business as Ive had mortgages since XXXX  and Ive never had to work with a company this dishonest. 

My insurance has been escrowed for years and theres never been an issue with payment. Last year, freedom mortgage wasnt paying my insurance. I called them about the lack of payment ( they did not reach out to me ). They said they couldnt get in touch with XXXX and I needed to call them. XXXX had not heard from them. I then got a threatening letter from Freedom Mortgage stating I would need to be on their insurance and would pay a monthly fee ( I wanted to continue with XXXX, not forced onto Freedom mortgages insurance company ). After MULTIPLE emails and phone calls ( which took weeks of my time ) I was able to remove Freedom Mortgage from paying my insurance. This year, I have paid my insurance in full ( just last month ). Freedom mortgage is now stating I will be charged {$80.00} a month to be on their insurance. My home is fully covered. Ive emailed Freedom Mortgage twice and called 3x, the phone calls have went nowhere, I just get sent around in circles and put on hold for 15 mins. Only one of the emails has been answered that they need to research this issue. Im not sure what needs to be researched as I literally explained this to multiple workers there, last year. 

Again, I have paid my home insurance and refuse to be on theirs as that is stealing {$1000.00} from me. Please research this company- Im sure they are doing this to multiple innocent people that never even signed up to do business with them.
Consumer complaint received 2023-04-13
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (FL)

I have two credit cards with PNC Bank. One card with a {$12000.00} credit limit with nothing owed and PNC took my crdit limit down to {$500.00}. The second card had an {$8000.00} credit limit I owe {$1500.00} and PNC took my credit limit down to {$2100.00}. I have never been late on either card. The reasons that were given on the first card was : * change in payment activity * delinquency on accounts * insufficient balance or charge in balance in PNC deposit acct. 
* amount owed on PNC accounts On the second card the reason was : * Another PNC credit card account of yours had a credit limit decrease. 
My PNC card that had the {$12000.00} limit hasn't been used since XXXX due to me needing it for a trip this month. When I went to use the card the balance was now {$500.00}. The last payment I made was for {$400.00} in XXXX which paid the card off. This is the worst bank ever.