davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I came to the citizen bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to close my account. I had over XXXX in the account. They told me. They cant not give me the total amount in case. I have to take XXXX cash and a bank check and if I want cash I had to call a week before. In the back its non information online or at the back this this information. The reason I cancel the account is because I had an emergency. As bank I should be able to get access to full amound.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (NY)

They call me and when I answer no one is on the line, and all I hear is a beeping sound. If I dont answer, no message is left. I didnt authorize them to call my cellphone. Telephone Consumer Protection Act ( TCPA ). And it expressly outlaws almost all autodialed collection calls to cell phones.
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report. 

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phoenix Financial Services LLC (AL)

Company kept calling starting from XXXX XXXX up until this week XXXX. They called and said we owed a medical bill and that we should pay now. Then they wanted a social security number but we did not give it to them. When I asked what the bill was about they said we should know already but I stated I was already paying a bill they then started being rude and threatened that if we did not pay {$4800.00} they would take our property, call the police and threatened to deport us. They just kept asking for the credit/ debit card information. After that altercation we tried to call back to ask what we owed but they would immediately hang up. We figured it was a scam after we got the name of the company by calling from a different number where they tried to get a social again. The name of the company is phoenix financial services. We have blocked the number but want to report so people will not fall for these scams.
Consumer complaint received 2023-10-03
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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 2023-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (NC)

I keep getting several calls and texts all hours long for a debt from Harris and Harris that isn't even my debt. They are trying to collect a debt from someone named XXXX XXXX I have called them back numerous times to tell them to stop calling me, as I am not XXXX. They either get an attitude and hang up on me or they apologize and claim they will remove me from their list. After asking them many many times to take me off their list and stop calling me, and they agree to do so, I still keep getting endless calls and texts. I have even texted them back to stop reaching out, as I am not XXXX!
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Deposited a check for $ XXXX XX/XX/23 that cleared and showed cleared in my Wells Fargo checking account. Then without notice of any kind Wells Fargo pulled it all out of my account leaving me with no money and no solution. I called the customer service number and tried speaking with management but got no help. I spoke with XXXX XXXX and he had no explanation or help whatsoever. Now, I have bills coming out of my account with no money. They said it will be 10 days waiting for my money! Please help me and my family. Thank you.
Consumer complaint received 2023-10-03
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 have a collection on my credit on my account that I was never notified about. The apartment complex sent a fee to collections that they never notified me about. The company XXXX also never contacted me. I am XXXX XXXX XXXX  currently XXXX and this is completely unfair. I moved out of the apartment due to XXXX orders but I gave the company a forwarding address, 6 months later I have a collection account on my credit that I was never even told about I had no idea what it was for. I disputed this account with Experian and it was not removed. I told them I had no knowledge of this account and it needs to be removed. I should not be punished like this when no one even attempted to contact me about this fee but now it is on my credit. I cleaned the apartment, they are charging me for dog pee in the carpet that was there when I moved in. I have attached documentation showing that this was an issue when I moved in and that I notified them about this. I have contacted the apartment complex, the investment company that ones the complex, the collections agency and Experian to have this removed. This is unfair and unbelievable treatment all due to having to move so that I can serve this country, only to be taken advantage of and unfairly charged while I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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)

I am a victim of identity theft. I filed a police report and FTC report and sent the paperwork in with my disputes to the credit reporting agencies. The disputes have not been processed correctly and the paperwork has not been attached. And copies of the verification process has not been sent to me per the FCRA.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Central Portfolio Control Inc. (CO)

Back in the beginning of XXXX, I applied for a lease. It was to rent out a room and live with XXXX other roommates. At the time, that was the best living situation for myself. Not even a full month after applying and getting approvedXXXX XXXX XXXX XXXX I was already having problems with my XXXX, such as XXXX XXXX XXXX So i became XXXX XXXX. I let the apartment complex know, about XXXX months in advance, that I no longer could move, in the condition i was in. it also felt unfair to the roommates that a XXXX would be brought up in a space with no room. They told me I had to find someone to sublease my apartment and they would also help. I had multiple people apply to said apartment to take over my lease, which in return i didn't hear back from the apartment complex again. Not until later on in the year when i got a message saying it was sent to collections. I had went and disputed it and it was approved and taken off my credit. It then went back onto my credit about XXXX years later and it was disputed and taken off again. It's now back on for the third time and I'm getting frustrated. I had multiple people apply for that room and then never heard back from them again, making it out to be that the room had been occupied. When a room is subleased, it's not my responsibility anymore and I'm not responsible for the payments. If I didn't have complications with my XXXX, I would've been able to complete the lease. However, I was not in any state to be able to do so. I wasn't even able to make it to work due to these complications.
Consumer complaint received 2023-10-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC (UT)

This company starts the process over every 30 days if they believe you do not have all required documentation to them, even when you are actively working on providing them documentation or if youve already provided it to them and they may have missed placed it and you have to provide it again then they will restart your application. Today I called the bank to check on the status of the application because they reviewed documents on XXXX  that I submitted on XXXX XXXX The response I I received from the first representative was that they sent me an updated letter in my email and mail requesting more documentation. However, I did not receive an email or anything in the mail. And the representative said if I didnt provide everything by the XXXX they were closing out my case again. The next representative I spoke to said they never sent me a letter and they needed everything by the XXXX or they were closing out my case again. So if I havent been harassing them they wouldve closed out my case again because they never notified me that they review the documents and told me what they needed. Its completely unprofessional to behave in this manner. Further, they are asking for documentation that does not exist. My spouse is XXXX XXXX in the military, and they are asking for documentation from the military that does not exist. Also, they are asking for dates on a fraud wire agreement to be added that make absolutely no sense at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want me to have everyone date this agreement when its already dated with their electronic signatures.
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Attempting to collect a debt past the State of Georgia statute of limitations Case # XXXX In Georgia after 6 years this judgement is uncollectable. Judgement entered in XXXX and I was contacted in XXXX, thats 9 years. 
GA limit is six years. Also, a settlement offer was done where debt was paid in full.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

Today, I am writing this complaint to TRANSWORLD SYSTEM INC regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, 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, 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 an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-03
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. (CA)

I am not liable for this debt XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the contract as I requsted.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling XXXX and also called the company that holds the account recently which is Portfolio Recovery. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or Portfolio has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help me.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-03
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. (WI)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-03
Product: Credit reporting 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 (CA)

In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

In XXXX or XXXX of this year I attempted to obtain a HELOC through XXXX XXXX XXXX. During that process, I was told that my credit score was too low to qualify for a loan. I asked what the reasoning was and they explained that there was a recent delinquent account on my credit that I was unfamiliar with. I asked the representative for a copy of my credit report which was denied. He explained that the creditor was XXXX and it was related to a travel/airline loan which I never applied for or obtained. At the beginning of XXXX I received a letter from a debt collector called " True Accord '', the letter is dated XX/XX/2023 and says I have an outstanding balance of {$3200.00} - which is approximately the amount that I was told that was being indicated as unpaid on my credit report. The " True Accord '' account number is : XXXX. As of today XX/XX/2023 I have filed a police report to document this identity theft. The officer who took the report was XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the report number is : XXXX