davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Paypal Holdings, Inc (IL)

I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.
Consumer complaint received 2023-10-07
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. (GA)

In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you with an escalating sense of urgency and anger regarding the fraudulent accounts that persist on my credit report. It is abundantly clear that despite my repeated disputes and tireless efforts to rectify this matter, these fraudulent accounts continue to wreak havoc on my financial standing. This blatant disregard for my rights as a consumer is utterly intolerable and demands immediate and decisive action on your part. XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-03-13
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I wanted to make a payment on my XXXX XXXX loan. I have been having difficulty signing into account online since XXXX XXXX. When using Truist app on my phone, I get a message, Service unavailable at this time. Try again later. Trying again later over, and over does not improve the process. I tried using the Truist website for online banking. After successfully logging on, I immediately get a message, You have been logged off after 10 minutes of inactivity I never get to an option screen, and I am kicked out. 

On or about XX/XX/2023, I contacted Truist at XXXX for assistance with accessing online banking. After explaining my difficulty for 10 minutes, I am given the opportunity to make a payment. I provide the account number, and then I am told Truist is refusing the payment because the account is more than 30 days late. The account is late because I can not logon to pay. I am also told that online access is probably restricted because the account is late. Approximately, 20 minutes has passed, and I am given another number to call to make the payment, ( XXXX ) XXXX. I insist on help with logging into account using mobile app and/or website, which is why I called. I am given a number to help desk, XXXX XXXX. I am given an offer to create a new password. There is nothing wrong with the password, if I can login. I have spent approximately XXXX minutes, and have accomplished nothing. It is XX/XX/, and I still can not access online banking. 

According to correspondence dated XX/XX/, online banking and mobile app are a benefit. There is no indication that restrictions apply. 

I have updated browsers, and mobile app. I have uninstalled and reinstalled app. I updated XXXX. I ran security and virus checks.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX Date opened : XX/XX/2015 Balance : {$0.00}. Please update.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I paid my balance of {$200.00} off for XXXX for my capital one Credit Card. I dont pay the balance of {$200.00} for XXXX until XX/XX/2023. XXXX has added that I didnt pay my credit card or my credit card balance which then made my credit score drop down XXXX points when I pay my credit card off before the due date every single month. I will attach statements as proof.
Consumer complaint received 2022-12-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

Since XXXX, my life has been profoundly affected by the diagnosis of multiple XXXX XXXXXXXX, followed by complications in XXXX and XXXX, exacerbated by a battle with XXXX in XXXX, which transitioned into long XXXX. These relentless XXXX  struggles have not only taken a toll on my well-being but have also significantly impacted both our personal and financial lives. The ongoing health challenges have made it impossible for me to sustain my previous level of employment and income. Consequently, our once stable financial situation has crumbled, leaving us grappling to make ends meet.
Consumer complaint received 2024-03-13
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)

This is my several endeavors 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank located in XXXX and XXXX show an outstanding credit balance of {$540.00} according to their records on XX/XX/XXXX. They reported that they had sent a check I have written back to them several times letting them know I never received a check XXXX. 
The bank closed my account on XX/XX/XXXX without my consent or resolution. I have tried in writing and staying on the phone to connect with them but to avail. 

Now I have a bill dated XX/XX/XXXX saying I owe the money. Ridiculous.
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.
Consumer complaint received 2024-03-13
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting address on my report that I have never stayed at or have them spelled incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: REGIONS FINANCIAL CORPORATION (AR)

My account was closed with Regions bank and I was supposed to receive a cashier 's check for {$7500.00}. I never received it, and I have attempted multiple times to contact Regions and have visited the local branch with no explanation to where is the check with my remaining funds.
Consumer complaint received 2024-10-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A. (OK)

I deposited a check via XXXX  on XX/XX/XXXX. Shortly afterward, I received a letter from the bank requesting a XXXX extension to verify the checks authenticity. Following that, I received a second letter requesting an additional 5-day extension.

Since then, I have contacted the bank weekly to inquire about the status of the hold. Each time, I have been informed that the bank is still waiting for the check to clear. The check in question is issued by the U.S. Treasury and is related to the XXXXXXXX XXXX XXXX settlement. 

To date, I have not received any funds from this deposit. I would appreciate any assistance in resolving this matter as promptly as possible.
Consumer complaint received 2023-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I tried to resolve this matter on my own several times over the past year in half and I am beyond emotional exhausted with no getting a response I have not received a response from them in over XXXX XXXX per my last letter an as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. These accounts were under my bankruptcy an have no reason to be on my report. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Consumer complaint received 2023-04-11
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-06
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. (NC)

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-06
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. (TX)

I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXXXX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX.XX/XX/XXXXXXXX. Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXX XX/XX/XXXX Account # : XXXX
Consumer complaint received 2022-11-04
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CO)

On Sunday XX/XX/2023 I had {$1200.00} in my savings account and on Monday XX/XX/XXXX I went to transfer some money over to get lunch and saw all my money had disappeared with no transaction history so I called the bank and they told me that there is nothing they can do because there was transaction history and I asked to talk to a supervisor and they straight up hung up the phone and didn't even to attempt to call me back I tried to call again an hour later got the same thing and that money was supposed to be for rent I had to borrow money from my brother to pay my rent I'm not happy with chime and there even refused to cancel my debit card and my XXXX XXXX card so nothing else would happen and I also found a charge {$510.00} that I had no idea that was there from XX/XX/2023 and I rarely shop at XXXX because of how expensive they are
Consumer complaint received 2023-10-06
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. (MD)

I disputed twice to XXXX XXXX XXXX XXXX XXXX and Experian that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, Experian continues to report the foreclosure. XXXX XXXX reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX and in XXXX ( XXXX  years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX days past due when my last payment was in XXXX.
Consumer complaint received 2023-07-05
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: Exeter Finance, LLC. (VA)

In accordance with the fair credit reporting act Exeter Finance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Ive been banking with Chase since 2006, nothing was wrong until last month, they closed all of my accounts. I tried to call them to ask about it, they just said seems like Chase ended relationship with me. I didnt do anything wrong.