davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (WV)

I was working with a mortgage lender through XXXX XXXXXXXX XXXX and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the XXXX 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

XXXX XXXX has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " Citizens Bank ''. I have never held any account with Citizens Bank NA. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (MD)

I had a borrow and grow loan through SeedFi, the loan was then switched to another servicer of XXXX. XXXX used the savings balance of XXXX to my balance owed ( The savings of {$1300.00} was more than the balance owed which means I'am owed money. XXXX has not given direct information on how or when I will receive the money owed. I can no longer access my online account to even get records of the account or access any of the information. )
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (UT)

I tried paying a debt with Hunter Warfield. They refuse to send me anything in writing verifying our agreement, so I havent paid anything. They said they dont provide any documentation until the debt is paid in full, and thats just wrong. I want to resolve this, but not until I get our agreement in writing. They said they isnt buy the debt, so maybe thats why? If thats the case, who owns the debt and why are they calling me? I also didnt receive any letters in the mail.
Consumer complaint received 2024-03-30
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. (KS)

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.

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 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (GA)

Collection agency gc services for XXXX XXXX has an account for me that is fraud. This is the second time XXXX let someone open an account in my name .I disputed the first one and it was removed. I asked them if the could allow a block or note regarding my name in there system so no ine would be able to open another account in my name, and nothing was done.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal has been contacted about an account that was settled for less. This was done via agreement made and they continue to report the account as being late for 30 days. They have not updated the credit bureaus to reflect that the account was paid/settled. They are reporting the card as late with a date that the card was already paid in full per a confidential agreement. 

While I no longer have this credit card it is harming me that they continue to report the card as 30 days late which is not correct as I do not have a credit card with them and have paid in full the settlement amount. 

I found this on all my credit report with multiple credit reporting agencies. Therefore, I need the correction to be made with XXXX, XXXX, and XXXX XXXX. 

Upon making the request the bank refused to make any further reporting to the bureaus as they had the settlement money and didn't need to continue to report. They reporting information from XX/XX/2017. 

The balance has been XXXX for quite some time now and they continue to report either a balance or late pay which has impacted my credit report. I advised them that the reason for the settlement was to clear my account balance and not have this show up as a late pay after being paid in full.
Consumer complaint received 2023-06-01
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: OneMain Finance Corporation (CA)

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has XXXX several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-01
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: MRS BPO, LLC (CA)

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (SC)

On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my report.
Consumer complaint received 2023-06-01
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: SELECT PORTFOLIO SERVICING, INC. (IL)

I have been trying to get this late off my redit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OK)

I am a victim of fraud and theft. I notified my bank as soon as I found the theft. I was temporarily refunded the money. Well due to some of the theft being older than 60 days, ( back in XXXX and longer ) the bank has decided that the most two current stolen ATM withdrawals are beyond the 60 days even though they only happened 45 days before I notified them. The bank has decided to retake the money back that was stolen from me. All because XXXX  has been stealing money from me since XX/XX/XXXX of 2022. Which I had no knowledge of until I found the stolen ATM money.
Consumer complaint received 2023-03-27
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo Bank. 

Late morning on XXXX I deposited a check in the amount of {$350.00}. I had moved from one apartment complex to another apartment complex, and the check was from the property management company of my former complex -- a partial refund of the deposit I had paid when I had moved in. The management company ( issuer ) is XXXX XXXX- a MAJOR property management company in The US. //// I did some shopping. Went home. Checked my checking account via XXXX. The check was in my checking account and available for use. So I paid some bills with the money. //// At XXXXXXXX XXXX., on XXXX, I received an email from Wells Fargo : " Wells Fargo deposit hold alert ''. ( I still have that email if you need to see it. ) That was THE FIRST I heard that my deposit had been put on hold. Since I had " overdraft protection '' my bills that I had paid -- they did not bounce. However, WF took money from a Wells Fargo CC and paid the bills. //// I went into the bank and spoke with a banker -- but got no relief. I didn't think that I should have been 'charged ', via my CC, for covering the bills ( and I still don't ). It was only {$25.00} that WF took from my CC, but I don't think that I should have to pay the increase in interest on that {$25.00}. I KNOW that it's only {$25.00}, and the interest will hardly break my bank. As the old clich goes, 'it 's the principal of the thing '. ALL of what WF did was without my knowledge -- well, it was without my knowledge, and I was not notified of any problems until approx 15 hours AFTER I had deposited the check and paid bills on it. AND the banker wanted me to feel sorry for WF. He said to me, among other 'tear-jerker statements, that I had no idea how many fraudulent checks that are deposited in WF 's accounts each and every day. So I should feel sorry for WF? His 'stuff ' was the last straw. I would like that {$25.00} to not have the higher interest rate. And I want someone to know that WF is up to its shady banking practices once again. Thank you. Oh, I told him that I was filing a complaint with CFPB -- and he offered to do it for me. LOL Yeah, right. I declined his kind offer.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Portfolio Recovery has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " XXXX Bank ''. I have never held any account with XXXX Bank XXXX. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/ AND XXXX XXXX  I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.
Consumer complaint received 2023-06-01
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: T.S. Holdings (CA)

You are in Direct Violation of The Fair Credit Reporting Act ( IQ data International, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to get this late off my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof that I myself is the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (LA)

Ive submitted 3 letters requesting proof that the charges are mine. I did not purchase anything! I do not own a home and have never need to purchase anything regarding the purchases.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (IL)

Marcus XXXX XXXX  advertised a promotion that said to add {$10000.00} to Saving account for 90 days and they would credit account {$100.00} bonus. I did that and kept added funds in savings account for 91 days before moving some of it to a Marcus CD.

I called Marcus to ask why I never received the bonus I was told it needed to stay in account 90 plus 10 additional days.

Some of the Marcus advertisements do not mention the additional 10 day requirement. In addition many of the financial bloggers that promote this offer do not mention the added 10 days either.

The fine print is so complicated that many people cant understand it. Marcus advertise the 90 days, not 100 days.
Consumer complaint received 2023-06-01
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. (MS)

After a review of my credit report, I found a long-standing collection account listed on my report. The account listed is not mine. I pay and have paid all of my debts, on time past and present. My credit report is important to me. My credit report should only contain information or accounts that are my own, without any misrepresentation.
Consumer complaint received 2018-04-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
Consumer complaint received 2023-06-01
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: Halsted Financial Services, LLC. (PA)

In accordance with the fair credit reporting act XXXX Bank ( 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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

I've sent repeated emails trying to contact this company. I notified them of my veteran status, yet they continue to charge the 152 % + in interest. I've filed for bankruptcy, and have had to seek help from VA because of XXXX XXXX. I am trying to call, and no one is responding to my calls or emails.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have called them to stop he harassment and pay the amount owed with the removal of it saying charge off but it isnt working with them. They want to keen reporting and not have a legitimate way to solve the issue. I have offered to pay them a settlement or full amount am they still refuse to work with me.