davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

This account is not mine, nor do I know whom it belongs to. 

I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a notice from Huntington National Bank that I was approved for a COVID-related forbearance for the months XXXX, XXXX & XXXX. I was then to continue payments on XXXX in which i did. 
Though when I received my statement, I noticed that the months that I was approved for the forbearance where shown to be delinquent. I contacted Huntington National Bank and was informed that this would be taken care of on the next statement. 
Several months had past with the same results showing these months to be delinquent. 
I then contacted CFPB with a detailed complaint and within 2 days was contacted by Huntington National Bank, letting me know that there would be forms sent out for me to sign. These forms would allow the months of forbearance to be rolled to the end of my mortgage. I received those forms on XXXX and mailed them back on XXXX. 
With this complaint I'm letting you know that this issue is still unresolved as of XXXX.
Consumer complaint received 2022-11-21
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: BARCLAYS BANK DELAWARE (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE XXXX Date Opened : XX/XX/17 Balance : {$3100.00}
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I accidentally sent a friend of mine {$2000.00} trying to send her {$20.00} and chime frose the money so she couldn't send it back to me so I filed claim with chime which I had to since the money was frozen immediately after I sent it to her. The reason I accidentally sent her that amount is because the phone I was using had a broken screen and when I went to type the amount of money to send it added two extra XXXX 's and on the next screen to confirm the amount to send i tried to cancel and it hit confirm instead. I had to file a rebuttal process and they found it in her favor saying no mistake was made even tho she sent and email with her photo id and her email associated with her account asking them to send my money back to me which I have screen shots of just like they had asked her to do. I never received the money and they closed my account for reason I just explained and they told me that it would take about 45 days and I would get my money back and her account would be closed instead mine was closed and she got the money.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (VA)

I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.
Consumer complaint received 2020-06-13
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: AES/PHEAA (GA)

I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and XXXX due to remarks placed on my Fedloan Federal Student Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped 26-27 points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Consumer complaint received 2022-12-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Newrez holds my mortgage. They acquired it from XXXX mortgage shortly after I purchased the home in XX/XX/XXXX. 

I am a XXXX XXXX  XXXX XXXX Veteran who resides in New Jersey and as such am entitled to a property tax exemption in the amount of 66.333 % Newrez continues to charge me an amount which is incorrect due to the fact that my property tax escrow is considerably lower than what they say it is The overpayment in my escrow account is approximately {$400.00} per month due to the fact that they overcharge me on my property tax escrow They were supposed to, once again, adjust my escrow payments thereby lowering my mortgage and they still have, as of today 's date, not done that they have kept my overpayment for XXXX and have no idea when they will refund it they also have no idea when they will adjust my total mortgage payment to the right amount so on XX/XX/XXXX a mortgage payment is due, once again, at the higher amount i am not required to pay. 

Additionally, if you contact them, they say they are a debt collector and anything you say to them will be used to collect the debt. I thought they were a mortgage company
Consumer complaint received 2023-07-10
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. (MO)

Equifax after my dispute was done lowered my score XXXX POINTS!!! There was no changes made after the dispute was finished at all. They had no right or reason to completely ruin my credit. My score was XXXX as of XX/XX/2023 and as of XX/XX/2023 it was XXXX with no changes on my credit report except one good one as i paid down on my account. This is really WRONG.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.
Consumer complaint received 2023-06-14
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within XXXX  days. Enclosed are supporting documents.
Consumer complaint received 2023-06-14
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)

This is my complaint about being a victim of identity theft. You must remove any items that are opened without my knowledge, consent, or authority. Based on FCRA Section 605b, it is the responsibility of the XXXX credit bureaus to remove the fraudulent items on my credit file but they were unable to do it. Kindly comply with a written removal of these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

In XX/XX/XXXX, Credit Collection Services furnished negative information to the credit bureaus about an alleged unpaid debt to XXXX XXXX for Date of Service XX/XX/XXXX. I have already paid this debt. Below is evidence of my payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The labwork was sent to XXXX XXXX for processing. On XX/XX/XXXX, I logged into XXXX XXXX 's website and paid all outstanding bills listed. As you will see in EXHIBIT XXXX, I paid a total of {$130.00} for four separate bills on that day, one of which was a bill for {$99.00} and XXXX XXXX XXXX XX/XX/XXXX. The receipt I received for this payment is attached as EXHIBIT XXXX. I've also included my credit card statement ( EXHIBIT XXXX, page XXXX ) showing that I made this payment to XXXX XXXX on XX/XX/XXXX. 

Since then, I have regularly logged in to XXXX XXXX 's website to pay any outstanding bills, which can also be seen in Exhibit XXXX ( e.g. Exhibit XXXX shows I also paid bills on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). After paying XXXX separate outstanding bills on XX/XX/XXXX, I logged into XXXX XXXX patient portal the following day to make sure all bills had been paid and that I had proof of the same. As you can see in EXHIBIT XXXX, the XXXX XXXX website, which listed the most frequent bills I had paid, indicated ( in the top left corner ) that " You have no bills due at this time. '' I called Credit Collection Services on XX/XX/XXXX and explained the above but was only told that, " XXXX can guaranty this bill was not paid. '' The representative stated that because the bill I paid was for a different amount than the amount he was attempting to collect, this was proof that a bill was outstanding. I asked if he could provide me the XXXX XXXX XXXX number for the outstanding bill so I could compare it against the specimen number on the bill with the same date of service that I had clearly alreayd paid. He could not. Following this call, I submitted proof of my XX/XX/XXXX payment via the Credit Collection Services website. I am asking that they immediately delete the negative credit information and stop attempting to collect from me.
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Recovery Specialists, Inc. (OK)

I got an interesting letter from the law office of XXXX XXXX XXXX. She has notified me that I'm in default of debt in the amount of {$5900.00} for a company called XXXX XXXX XXXX XXXX. She states that they are processor scheduling a hearing in district court against me and wants me to call her to answer questions about this debt. 

Here 's the problem : 1 ) XXXX XXXX XXXX is a lawyer for ARSI, not just a stand alone law firm, which she didn't disclose. She is the legal department director for ARSI, which did send me a letter about this debt over two years ago. I requested validation of debt from ARSI, but the collection company never send me paperwork showing what this debt was for or the date that this debt supposedly happen. 

2 ) I live in Oklahoma and have lived in Oklahoma for over 5 years. I check Oklahoma 's case search, and XXXX XXXX has filed nothing. So if she did attempt to sue me, she did in a state that I didn't live in. Hence, I was never served, in that state of Kansas, and in the county of XXXX, the XXXX serves the debt, not a process server. 

3 ) This debt is in my maiden name. I have been married for over 6 years, so this debt is not in the realm of the statute of limitations for this law firm to even try to sue me. I guess that is why I never got the validation paperwork. 

4 ) XXXX XXXX XXXX is permanently closed. I don't know when it closed, but on XXXX  and yelp, it shows permanently closed. I try to contact the numbers that were associated with this company, but they are disconnected. So how is it that I owe money to this company that doesn't exist anymore? 

XXXX ) I have no idea when this debt happened, but I had health insurance for over 8 years, so there is no way I could have ever had a bill for that amount. 

Lastly, Which is the most important. This is the first time I have ever hear from XXXX XXXX XXXX 's XXXX XXXX. I have never received a XXXX 'S letter letting me know my rights. So how is it that she could skip that part of the collection process and go directly to suing me?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Here is the proof that I was a victim of this XXXX data breach. 

As you know, you deleted illegal accounts from my XXXX credit report because you saw that I was a victim of this data breach. 

Now Transunion refuses to delete these inaccurate items from my credit report. 

Please make them delete these Items and update my personal information immediately. 

Because of this Data Breach, my personal information was compromised, and my credit report is not 100 % accurate. 

Please help me delete these illegal accounts, addresses, and names from my credit report.

There should only be one spelling of my name and address and no other variation. 
( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) Please delete the information below effective immediately. 
XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. ) Account Number : XXXX Account Name : XXXX XXXX. ) Account Number : XXXX Account Name XXXX XXXX XXXX Non-Authorized Hard Inquiry. 
I did not authorize any hard credit checks. Delete the following inquires! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AR)

I contacted Credence Resource Management on XXXX. I spoke with XXXX and Supervisor XXXX XXXX about an XXXX collection that was reported by them on my credit report. I asked for proof of the alleged debt specifically the original application bearing my signature. I was told by XXXX that they would not be able to provide such proof to me. Under the XXXXair Reporting Act this item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-12-29
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. (SD)

I see a hard inquiry on my credit report which I didn't make it. The name is XXXX XXXX, I have true to contact XXXX  XXXX but the phone no. doesn't let me connect.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

my complaint is for XXXX XXXX XXXXXXXX XXXX. we tried to book a room with them on on XXXX through there website. First time the website took us out and didn't show anything and i figured it was a glitch and tried it a second time and the same thing happened, didn't give any information. I then proceeded to go to XXXX and booked through them. When i arrived at the hotel and checked in through the XXXX confirmation i told the clerk at the desk about what happened and that i was charged and they informed me they were sorry about that and would help reverse it right away. That didnt happen. I been trying to get this resolved through mu credit card Citi bank as that was the form of payment i used to pay for XXXX and through XXXX. i wrote a statement that citi bank needed me to send them to send to the merchant to explain what happened and the merchant denied all claims and keeps reversing back the charge to my credit card two charges for $ XXXXthe merchant can clearly see my stay with them was through XXXX XXXX They need to make sure they are reading all the statements how can it be any fault if there was a glitch on the website. the clerk at the desk could had told us it wouldnt be reversed to handle it then in there but they said we will take care of it and we are sorry.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (IL)

The following companies did not have my permission to run my credit. 

US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX