davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EGL US, LLC (MI)

On XXXX i sent BMG Money a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (MA)

On XX/XX/2023 I called Affirm Customer Service to ask a question about my account loan. I returned 3 items to XXXX and was concerned how Affirm would know not to take the payments out of my account for the items I returned to XXXX. Customer representative said he will transfer me to someone, the person I was connected with repeated the last 4 numbers of card that was used for transactions and asked me to confirm that the last four numbers.

After that I was alerted by text message that suspicious activity was happening with my personal bank account. I instantly contacted my Bank and confirmed I did not make any withdrawal transactions of any kind. 
They told me XXXX  transactions were made to someone I never heard of. 

Claims were made with my bank, cell phone company and a police report has been filed as well.
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC (MA)

XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I am currently a citizen bank customer and I have an account that will cover debit card transactions, if the funds are not there, and you are allowed 24 hours to bring the account back positive before any fees are assessed. This is NOT how my account has been maintained. on XX/XX/10 I had a balance of XXXX ( give or take a few dollars ) and a transactions of XXXX came through. I had smaller transactions as well, XXXX and XXXX, all of which should have been covered. Instead, what Citizens the scammers did, they covered a partial amount of the XXXX and charged me overdraft fees for all 4 transactions. I contacted them, twice and even visited a branch as to why I was charged 4 overdraft fees. Nobody was able to provide an answer nor a resolve. This bank is a rip-off and treats customers horrible, in addition to ripping people off.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-12-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5/3rd bank advertised to me a money market account yielding a 5.3 % interest rate via email. I am an existing customer with multiple accounts already. The advertisement described the interest and deposit requirement of {$25000.00} to earn the rate. I spoke with my bank branch representative in XXXX, XXXX in late XXXX, emailing him first the bank 's quote for reference. I spoke on the phone and confirmed that I can change on of my existing accounts to the new money market account and upon transferring the {$25000.00} amount in the advertisement would be receiving the interest rate. I opened the account upon their representation and confirmation. I was already receiving about 5.2 % interest from the other institution where this money was held, but decided to transfer because of the slightly higher rate at 5/3rd and confirmation that I would be eligible upon transfer. I did transfer {$25000.00} into the account within a couple days of opening in late XX/XX/2023. I checked my balance in early XXXX and noticed I had not received the stated interest rate. The bank explained, now for the first time, that they had calculated some number I needed to exceed by {$25000.00} constituting balances in other accounts, which I would have no reason to know. I fulfilled my end of the deal, their exception they raised was confusing and misleading and I would not have opened the account but for their assurance I met the criteria upon opening the account and transferring the amount of {$25000.00} into it - which I did. The bank has refused to compromise the issue upon both written request and phone calls to do so.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a deposit of a Cashiers Bank Check in the amount of {$20.00}, they put a two day hold on it. I then deposited my certified payroll Check in the amount of {$3500.00}, and they put a one week hold on it. They said they are trying to build a relationship with me.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

THIS IS AN UPDATE!!! The following accounts are still reporting after multiple disputes. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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 2023-12-13
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. (TX)

RE : XXXX ; Experian, XXXX  ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on XXXX, Experian nor XXXX  privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution XXXX  violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX and XXXX, I received several fraudulent documents from Select Portfolio Servicing that had been copied and pasted. My signature had been copied and pasted to fraudulent documents. Documents that involve deception and criminal deception. As well as a bogus call list claiming they called me, and I can prove is a lie. I can obtain a hard copy of all the calls I received. Moreover, they have no reason to call, I have never sent a late payment. In XXXX, XXXX I received mail from Select Portfolio Servicing, claiming to have spoken with me. Select Portfolio Servicing has never called and spoke with me. I have called Select Portfolio Servicing numerous times to request that my Mortgage payments are posted on time, and that my Mortgage Statements and my Annual Mortgage Statement are sent out in a timely manner Select Portfolio Servicing is a corrupt company. There are XXXX of complaints against Select Portfolio Servicing, people with the same issues and concerns. This is no coincidence. Today is XX/XX/XXXX and my payment, has not been posted.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 an automatic payment of {$500.00} came out of my Chase account and was applied to a paid off car loan to a XXXX XXXX XXXX. The XXXX issued a refund of the {$500.00} due to the car loan being paid off and the money not being applied to any loan. The XXXX sent the {$500.00} back to my Chase bank debit card on or about XX/XX/2023 through means of Pulse ACH ( documented by means of screenshots from XXXX showing reversal ). 
Due to not seeing the amount of {$500.00} reflect back into my Chase account, I filed a claim with Chase for the original {$500.00} that came out of my account on XX/XX/2023. Chase issued a " temporary credit '' on my account once the claim was filed. Chase opened and closed my claim once, but their representatives kept requesting I submit necessary documents regarding this dispute, so I did. I provided a personal statement about the original amount coming out not being authorized, several screenshots XXXX being of an email notification of the payment being noted as an " automatic payment '' and coming out of my bank account at XXXX ( showing I was not physically paying the amount at a bank with my card ), the statement from XXXX showing the loan was paid off late XX/XX/2023, a screenshot of XXXX showing the reversal, and a written letter/statement from a supervisor at XXXX stating XXXX money was reversed back to my Chase debit card. 
Today, XX/XX/2023, I still do not have the {$500.00} back. Instead, I called Chase Claims today and spoke with XXXX at around XXXX EST. He stated due to the claim being past the timeframe of investigation ( 30 days ) it can not be reopened. This is not posted anywhere, only the investigative team is aware there is a XXXX open window for a claim to be investigated. XXXX also denied me a supervisor to speak with and stated " the money was returned to the merchant. '' This is only XXXX of the XXXX conversations I have had with Chase.
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Wilson, Riley & Associates (CA)

They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016 I was charged {$280.00} by XXXX. On XX/XX/2016, I was also charged an additional {$340.00} by XXXX. Upon check out, The hotel gave me a receipt that shows these two amount would be refunded to my debit card ending in XXXX. But I never received that refund. Wells Fargo sent me a letter saying they messed up their investigation and that the credit of {$630.00} was permanent. But then 2 weeks later took back the money and refuse to give it back. I called the hotel and the hotel manager said they refunded me that money the same day I checked out and that the bank had made some kind of error. The bank does not want to refund me my money even though I have provided them with proof after proof.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northeast Recovery Solutions, LLC (MN)

This company have been calling my mother in law, leaving message on her voice mail saying there are papers I need to be served with for a debt I owe. 
They also called my brother in law letting him know if I do n't pay the debt my wages will be garnished. 
They contacted my ex husband and told him I owe a debt that needs to be taken care of, and there is legal action filed against me for which I need to be served ( this has been threat for the last year ) When I call the company back and asked to send me a bill and I would gladly pay whatever I owe I was told they do n't send bills and I need to provide my credit card or bank information over the phone, which I refused due to not knowing if this is valid debt or not. I also asked the company for their name and addressed and they refused to provide that information to me. My intention was to send them letter stating to cease any communication.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I recently try to remove the freeze on my credit reports. But for some reason I can't get credit unit XXXX. I downloaded the report. Please help removing the extra freeze on credit with Equifax. They always don't listen to my request.
Consumer complaint received 2023-09-14
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. (VA)

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 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 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I received a letter stating I owed XXXX $ on XXXX/XXXX/17. I now received a letter again stating I owe XXXX on XXXX/XXXX/17. I called the company and they stated they charged an " Admin '' fee and a " Collection Fee '' to my account. According to the FDCPA, " they ca n't charge more than the amount described in the original contract or what is permitted by law. ". This being said, the original amount is XXXX XXXX unless there are charges that were added to that as well. They are asking for money not associated with the debt, which is inflating the amount due. I am more than happy to pay my debt, but I will only pay the right amount due.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (GA)

In XX/XX/XXXX, I contacted XXXX about transferring internet service to a new address due to an upcoming move. I was told they did not offer services at the new address. I told them the service needed to be disconnected on XX/XX/XXXX and I was told to return the equipment to the local office in which I did. I received statements in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called XXXX again and told the representative that I had moved and the service needed to be disconnected. Instead it was sent to a collection agency. I do not recall the first collection agency but was told the {$240.00} was for the equipment in which I returned to the drop box. XXXX were not allowing customers inside the building due to the pandemic. There were no other customers there at the time and I witnessed a worker taking the equipment out of the dropbox. The agency told me they would contact XXXX  to let them know. I started receiving letters from Eastern Account Systems and contacted them who states the XXXX is a past due balance. I informed them that I moved XX/XX/XXXX and paid the last bill the month I moved. This balance was reported to all 3 credit reporting agencies. XXXX removed when I disputed. However, I have disputed 3 times with XXXX and it has not been removed. I have not heard back from XXXX as of yet. I spoke with Eastern Account Systems XX/XX/XXXX and they are refusing to acknowledge that I do not owe the bill. I spoke with a XXXX representative on XX/XX/XXXX and was told they continued to bill me throughout XX/XX/XXXX and they disconnected due to nonpayment. I told the representative that I told them XXXX and XX/XX/XXXX that I was moving & had moved and they still did not disconnect as requested. The representative told me it is not documented that I asked for disconnection so therefore the debt is valid. XXXX submitted bills to my new address on the XXXX and XX/XX/XXXX attached statements. Not only did I tell them to disconnect but they also had my new address so knew I had moved. I need for XXXX  to acknowledge the error on their part and remove this from my credit reports.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (OH)

My recent experience with PNC : I've had this credit card with them since XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), have multiple accounts with them and a lot of money in and out of there - business and personal accounts, checking, personal loan, etc. 

They cancelled it without warning - I only found out because it was declined at a store. I had a {$1000.00} limit on the card and a balance of {$0.00}. The credit report indicates it was closed XXXX XXXX XXXX. I called yesterday and was told they couldn't tell me why it was cancelled but it was likely due to inactivity. I last used and paid off the balance in XX/XX/XXXX and have not used it since. It's currently XX/XX/XXXX and I haven't received a letter. I've made multiple calls, my complaint was sent to escalation ( with a 24-48 call-back guaranteed ) on XX/XX/XXXX and was called back within hours saying they would not reopen the account. 

There is no record of a document being provided to me in my account history and now I have no access to past statements to verify their records are correct.