davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PINNACLE RECOVERY, INC. (NY)

I am a flight attendant living out of state in base. My XXXX  has been doing the bills. This week we received a notice from the collection agency Pinnacle Recovery. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called Pinnacle today. He spoke to XXXX in account release. Pinnacle stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our credit score, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. 

I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. 

I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (IL)

Equifax is denying me access to do my disputes on line. I have submitted all accurate personal information and they keep saying that the information does not match their records. I have initiated a lawsuit as they are breaking the law by not allowing me access to submit my dispute of fraudulent information on my credit report. Due to this denial, I have been denied credit and have sustained XXXX   XXXX. Equifax was breached and my information was compromised and they are barring me from submitting my disputes. I am entitled to have fraudulent information removed from my report.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: National Credit Adjusters, LLC (GA)

My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAINE & WEINER COMPANY, INC. (GA)

My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened an Account with fifth third bank on XXXX XXXX. I tried to change my direct deposit to the new bank account. My payroll department had not yet verified the bank by the date my payroll check should have been released so I received a " Live Check '' I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check amount was XXXX. I spoke with a teller, whom was extremely rude to begin with. She proceeded to deposit the check without informing me that there policy states that new deposits are subject to a hold. Had I been informed I would have taken the check to The issuing bank and cashed it. Now after speaking with the branch manager he informed me that the hold will not be removed until XX/XX/23. I was under the impression that Federal law states that XXXX should be released on the account within 24 hrs. until the hold is released. I am not able to access said funds still. I spoke with XXXX who is a supervisor at the customer service center. She informed me that funds should be available Saturday XX/XX/23 and they have no way of accessing the XXXX. I was under the impression that with payroll checks this is FEDERAL LAW. I am now in a situation where my bills are being paid late, which I never do. All of this due to " Confidential Information that check may not be paid '' I have never cashed or deposited a bad check. I Am reporting this because I do not feel like this situation was handled correctly, or with myself as a consumer at heart. I will be looking into legal action for coverage of the loan i had to take to pay my bills on time before accruing late fees.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

Problem with available credit not being updated in a timely fashion once payment was made. 

On XX/XX/2023 I made a payment of {$300.00} to my Indigo Charge Card account. Indigo is processed /managed by Genesis FS Card services. 

On XX/XX/2023 Genesis withdrew the fund from my checking account. 

As of today, XX/XX/XXXX the payment has posted to my Indigo account but the available credit has not been updated. I called Genesis and was told that the update to available credit will not be done until XX/XX/XXXX. This is 14 days after payment was made and received by them. 

This is excessive in todays electronic age where transactions are completed in most cases in real time. Also, nowhere on their website or the bill from this company does it state this policy. I was also told that this is randomly applied so a consumer has no idea when their payment will result in credit being available. 

This is just wrong and predatory behavior on their part since they are dealing with consumers with less than perfect credit or no credit who are just starting to build their credit.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX, I used Wise to donate {$120.00} to XXXX. I received the notification from Wise that the money has been successfully transferred, and my contact in XXXX confirmed it. 
A week later, Wise emailed me saying that there was a problem with my transfer and that they were unable to withdraw money from my bank account. They instructed me to top off my Wise account via a wire transfer, which most banks charge for. It made no sense to pay a {$25.00} fee on a {$120.00} transaction, especially since, from my perspective, the problem was on Wise 's side. 
I asked if there were any other ways to transfer the money to them ( again ) and was given the option of ACH transfer, which I ( again ) set up. 
This failed ( again ), and Wise requested that they need to " verify '' that I am, indeed, trying to send them {$120.00}, by providing whole host of private information : A copy of my passport photo page, or both sides of a drivers license or national ID card ; A photo of myself, holding my photo ID next to my face ; A copy of a recent bank statement, credit card statement or check. 

All for me to pay them the {$120.00} they weren't able to transfer from my bank account, which, arguably, is the very service they claim to provide. From the account I have already used for a while. 

When they did not receive the information above within XXXX days, ( who has the time to jump through all these hoops right away for {$120.00}? ), they canceled the transfer. 

Less than a week later, they sent me a " Final Notice '', threatening to send a collection agency after me if I do not wire the money to their bank account. No attempt to resolve this situation has been made by Wise. 

Finally, I received a notification that my account had been closed and that I should expect a collection agency to contact me. I responded to Wise, expressing my disappointment with this experience, and, again, was not offered any viable option to pay the balance without incurring unnecessary fees. 

When the collection agency contacted me, I paid the balance off immediately. It was an easy choice between a credit card and an ACH payment. However, I strongly believe that this should never have never been taken to this point and that Wise should have attempted to work this out without imposing third party fees or asking me to take selfies.
Consumer complaint received 2023-10-13
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. (SC)

THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXX, I received a promotion to sign up for the Alaska XXXX XXXX XXXX card administered through Bank of America. The letter was dated XX/XX/2023. The main offer in the promotion was XXXX XXXX  XXXX bonus miles upon spending {$3000.00} within the first 90 days of receipt of the card. This card has a {$95.00} annual fee. I promptly signed up for the offer, and don't hear anything back for a while until a letter dated XX/XX/2023 arrived from BofA asking me to provide a completed Form SSA-89 to authorize them to collect and confirm my SSN and income from the Social Security Administration XXXX I send them a filled out SSA-89 per their instructions and don't hear anything back until another letter dated XX/XX/2023, asking for the same information again. Once again I send them another completed SSA-89 form. I finally receive the card in the mail on XX/XX/2023 ( the letter was dated XX/XX/2023 ) - and noticed that it mentioned the sign-up bonus was only XXXX miles for spending {$3000.00} within the first 90 days. I immediately called BofA and spoke to multiple reps, and they all confirmed that they saw the XXXX miles sign-on bonus, not XXXX as was offered, and couldn't do anything about it from their side, despite me still having the original promotion letter that they had sent me during the summer.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on my credit reports. Please send only the original contract with my signature on it that you have on file for the account listed above. 

1. Please show how it was verified 2. Who verifies it?

3. Who validated?

4. How did you validate the alleged debt?

5.. The dates open and closed are different.

6. The account balances are different, who verified these?

Please provide answers to all, if you can not provide you are in violation of UCC 3-302 Holder of due Course. 
Which means you are committing fraud
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (NC)

After sending the FTC report of identity theft in XXXX and XX/XX/XXXX, RS Clark and Associates are refusing to remove the collection for XXXX XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of XXXX to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes XXXX, XXXX, and XXXX an accessory and conspiracy to racketeering.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

I'm a victim of a card skimmer that was at XX/XX/11 on XXXX XXXX in XXXX California. In less than 24 hours my case was closed as saying the transaction at XXXX on XX/XX/XXXX for {$160.00} was authorized when it was most definitely not. After quickly closing my case there should be a way to appeal the case but that option is not available. There are a lot of unauthorized transactions that keep getting denied even after uploading my Identity theft report from the FTC. This is unacceptable and I will start a class action lawsuit if I must become I'm not the only one who is getting unfair treatment.
Consumer complaint received 2022-12-20
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (AL)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and they clearly violated my rights.
Consumer complaint received 2023-09-01
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. (ND)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-11
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. (FL)

in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (FL)

Account Grain Technology Inc Account # XXXX This company continues to report my payment as late when I can not access the account to make payments. I have submitted several inquires on their website and have submitted several disputes with XXXX and XXXX which they have not responded at all however the account is still on my report and still being reported late. You can only make a payment on the mobile app with this company. They do not provide a mailing address for payment and their XXXX # ; XXXX does not give you the option to speak to an agent to resolve the matter. With every attempt for the last 2 years to log in to make a payment, I have received an 'Account cancelled '' error message. When the account is disputed they become upset and close or block the account but never respond to the disputed inquires or correct the late payments due to their negligence. This account needs to be removed and delete immediately for the lack of responding to dispute beyond the 60 day time frame and continuing to fraudulently report the account as late.