davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OH)

I received a follow up call from XXXX on XX/XX/XXXX from the office of the president. XXXX did not offer a resolve to the intentional reporting of incorrect information and advised me to do another complaint with the information I now have to be attached to my previous complaint. 

My account STATEMENT always reflected a positive amount as a credit and not a debit. I now understand that the STATEMENT that is mailed or electronically delivered every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the payment coupon, is actually a dividend payment ( book entry security ) from securitizing my account through BARCLAYS BANK DELAWARE, to BARCLAYS XXXX XXXX XXXX, to BARCLAYS XXXX XXXX TRUST, XXXX XXXX XXXX XXXX as indenture trustee and BARCLAYS XXXX XXXX, the underwriter. It was not a BILL for me. 

The monthly BILL, STATEMENT that was mailed via PRESORTED first-class mail or emailed and presented to me as if I owed money, was actually a security and obligation of the issuer, BARCLAYS XXXX  XXXX TRUST from BARCLAYS BANK DELAWARE , the servicer and repurchasing party, BARCLAYS XXXX XXXX XXXX XXXX XXXX and another repurchasing party and XXXX XXXX XXXX XXXX XXXX XXXX trustee and securities intermediary. 

I was never late as the true obligation was BARCLAYS XXXXXXXX XXXX XXXX per the indenture agreement. I was actually defrauded out of securities and payments that were owed to me. The BOND portion of the STATEMENT which is actually a BOOK ENTRY security, should've been credited to me and the top portion processed properly through the bank, settling my account every month, for the full available credit ( allocated amount ) to be used again following Generally Accepted Accounting Principles. 

I am aware that there are two sides to the ledger. I am aware that there is a public side and a private side for every account that I have had with BARCLAYS BANK DELAWARE. I am also aware that although my account was closed on the public side, my account was and is still open on the private side being securitized. 

Not only have intentional violations of the Truth in Lending Act, the Fair Credit Billing Act, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the Electronic Funds Transfer Act, The Federal Trade Commision Act, the Securities Exchange act of 1934, the Trust Indenture Act of 1939 taken place, but securities fraud as well.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-29
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. (MI)

I've contacted each of the three credit bureaus regarding hard inquiries on my credit reports they are inaccurate. On my transunion report they are several of the same thing. I've notified them that they were not authorized and asked them to be removed. I have credit monitoring. I monitor my reports religiously.
Consumer complaint received 2023-07-04
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. (FL)

I disputed 2 entries on my credit report maintained by Experian Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent Experian Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, Experian delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an Experian specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, Experian provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR Experian. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these 2 entries being reported on my credit report.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

I checked my XXXX account on Sunday, XX/XX/XXXX because I got an email that my credit score has dropped. 

My XXXX Credit Report stated that I had a new " Collection '' of {$6800.00} and a late payment for this collection. 

The collection was owed to Sequium Asset Solutions in XXXX, Georgia and originated with XXXX XXXX. 

The problem being that none of this is mine! The collection account isn't mine and the debt isn't mine. It doesn't seem like anything else has been compromised. 

As of Monday, XX/XX/XXXX I have filed a police report with the PA State Police, reference number " XXXX '' and called XXXX. XXXX put a " fraud '' on the account and is disputing the account. 

I called Sequium on the XXXX as well and they are looking into it. They gave me the account number and told me that the account was created back in XXXX of XXXX, and is connected to an address in Ohio. I live in PA! 

I just tried to log back in to my XXXX but can't for some reason. I'll try again tomorrow, I hope they are just experiencing some tech issues on their end.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX 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 2017-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

The lender PennyMac increased the escrow account by {$480.00} monthly from {$490.00} to {$980.00} stating that we were behind for the last 12 months. 

According to the property taxes of {$3900.00} and property insurance of the {$2400.00} the normal monthly escrow should be {$6300.00} divided into 12 months it would be {$530.00}. 

Therefore, that huge incremental is impossible for us to pay and unreasonable under any circumstances.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

So I sent a letter off on XX/XX/2023 and it was delivered XX/XX/2023. Here is my tracking # XXXX. The letter was in regards to removing personal information that I don't not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802 under GLBA with respect to disclosing personal information. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IL)

I have told the company numerous times that are being unlawful by trying to collect on this debt yet they are on my credit report and the complaint I filed before their response was they have no record of me but they are on my credit report! I filed this dispute regarding another medical debt that is unlawful to bill for and the debt was removed for my credit, now their response is they don't have any information on me. That is correct this debt is a XXXX XXXX debt whose on XXXX and due to me being his parent is on my credit report. The credit report is as follows : AmeriCollect on behalf of XXXX XXXX XXXX XXXX : {$4300.00} Placed with agency : XXXX Acct Number : XXXX Address : XXXX XXXX XXXX XXXX, WI XXXX And tell me this is not on my credit report, and please do not close this investigation before i have a chance to rebut
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is to inform the CFPB that Transunion is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
In the case of XXXX XXXX XXXX account XXXX reporting date XX/XX/XXXX, On XX/XX/XXXX I mailed a certified letter along with 47 pages of the alleged lease agreement which did not bare my signatures. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

I received a letter on XX/XX/23 that PNC Bank will be closing my account on XX/XX/23. I attempted to call them to solve the problem that led them to wanting to close my account. They will not give me any reason at all as to why theyre closing my account. I have already filed my taxes and my tax return is coming into that account and I cant change it and they will not keep the account open until my tax return comes in. I have no idea what I did to cause them to close the account and I have had this bank account for almost 6 years and have never had a problem before.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist Bank XXXX XXXX, XXXX NC on XX/XX/XXXX I attempted to make a deposit of approx XXXX which consisted of 3 bank cashier checks and was advised by the teller that there would be a 7 day hold on the deposit. 3-5 days is what I expect to be reasonable and inquired why 7 days? I was advised by the bank teller XXXX that this was done on a case by case basis, so I inquired what the case was. She advised " I dont know ''. At the least the rep was not trained properly at the most discrimination was the cause. I requested they cancel and back out the deposit. I contacted XXXX as the bank mangaer and left a message to give me a call back that I would like to share my experience with him. He never returned my call and I am not surprised. XX/XX/XXXX I contacted 3 different individuals one from the main customer service line which hung up on me, I contacted the only customer service # again, went through the un-needed questions and got customer service rep 2 which was a joke and a waste of my time. I called back hoping to get another representive that gave a flip and she transferred me to GA, a supervisior? Which advised there was no general " Customer Complaint '' email option and I should submit my complaint via writing to XXXX. Needless to say these folks have lost my account one which will be quite hefty due to inhertiance and I would like an explaination as to why they were holding 3 bank cashier checks for 7 days and what that case was. 

I have since opened an account with a local bank and will be transferring all funds and closing my account with Truist immediately. There is no customer service and this is a bank so this is very concerning. I did not sign up for online banking only, where there is an issue an the service provider is a bank they must provide customer service. 

Thanks, I see they have a ton of complaints listed, they can add mine to the pile.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (FL)

My name is XXXX 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 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My bill was due XX/XX/XXXX for XXXX. I have autopay. I went ahead and paid my bill online early on XX/XX/XXXX for XXXX for the first time in ever. Normally I have to move funds around the day or so prior to the day autopay processing but this time I recall having a busy few days prior to the due date coming up so I decided to do it early. Capital Ones default rule is that if you have autopay and your remaining statement balance is {$0.00} or lower due to early payments or credits, it will draft your current balance at that time. In my case it was XXXX XXXX So without my consent and according to their default rules they drafted an additional XXXX XXXX leaving my business checking out empty and getting assessed NSF charges of {$100.00}. When I called Capital One to ask them to resolve this, they insisted they could only refund the extra XXXX XXXX payment over the next 15 days. That wouldnt work for me and my business.
Consumer complaint received 2023-01-19
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. (CA)

XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 __________________________ XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX __________________________ Equifax XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I tried to login into the Chase bank ( chase.com ) mobile app to pay bills and check on my funds. My login screen was covered with XXXX agreements which I need to sign on. No access to my accounts. These XXXX agreements on which my use of the account was conditioned, were of XXXX total pages in total! They are attached. 

I called the company on the same day, as expected, they explained to me that they can't do much about it. The person on the phone also suggested that probably not all the stuff in the agreement was applicable to me, advised my to skim through and concentrate on what's relevant. 

Blocking an account which is in a clean state for the reason to sign a volume of documents is completely unacceptable. On further reading, there are clauses in the account which the customer can opt out if the customer decides to do so. The opt out is not via a check box ( yet the signing of the agreement is ), it's via a separate letter that needs to be sent to the company. This is obviously done with the purpose to mislead, and to sneak in changes which they can not enforce customers to accept. 

As a general rule, if they are willing to accept electronic signature, or checking a check box to accept an agreement, they must provide the SAME LEVEL OF INTERFACE for the opt-out clauses. In this case, they should have had a check box for each opt-out clause.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.