davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NC)

I bought a house in North Carolina last XXXX My escrow was set up to pay the insurance and the property tax. The closing agent sent out the check to the address on the invoice, and the money got deposited. However, the insurance company said they did not cash the check and asked me to re-pay the invoice. The closing agent submitted the claim last XXXX, but the bank investigation has not finished yet. I have attached the insurance company 's affidavit and the scanned cashed-out check. 

I tried to contact the bank, but the money was not under my name, so they refused to help. The money is mine, but I have no way to monitor it or know when they will refund me. 

Could you help to solve this problem?
Consumer complaint received 2020-04-07
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. (UT)

This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Consumer complaint received 2020-04-07
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. (UT)

This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have many synchrony bank issued cards and they closed every 1 of them..I have always paid on time and more than minimum due. I have good credit and decent scores and I disagree with them doing this to me. I want my cards opened back up because this is unfair to a credit worthy consumer and I also make over 100k yr and have no troubles paying my accounts..none of them even with other creditors..I want something done to make this right.
Consumer complaint received 2022-02-17
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: MARINER FINANCE, LLC (GA)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fXXXX XXXX XXXX ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.
Consumer complaint received 2020-04-07
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. (UT)

This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2022 I completed an online application for an American Express credit card. I was denied credit, and the use of my social security number from American Express is fraud because I received NO BENEFITS. I received a letter stating why I was denied and it shows proof of the violation of federal laws towards a consumer pursuant to 15 USC 1691.
Consumer complaint received 2022-02-17
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. (NY)

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OR)

My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. ()

I have reviewed my credit reports and notice that my student loans accounts that I signed for my daughter education were being reported duplicate despite the XXXX XXXX XXXX XXXX program has made them all current under a new account numbers and Nelnet is still reporting the old accounts on my credit reports as late XXXX days etc. I sent letters asking them why are you reporting the same account XXXX late and the other current and they have not corrected the problem. Instead I received a letter stating that they believe that I'm using a credit repair firm. Documentation provided etc
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.
Consumer complaint received 2020-04-07
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 a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/20 a male individual posed as someone with questions and needing assistance related to my work and called the work phone line that got transferred to my extension. Then proceeded to tell me that the person is working as a process server and while not working for the company that he represents has summons for me to appear in court from a company called XXXX XXXX. I requested to refrain from calling me at work and also demanded that I be given a written poof or documentation regarding this summons as I am not aware of such and had not been previously informed of any of this. He did not disclose what the issue is about and just gave me the phone number to call for information and insisted that he will come over to my place of work in 30 minutes despite my request and after telling him that I am aware of my rights as a consumer.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian Credit Bureau. I sent letters to Experian Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Experian, the inaccurate information about my accounts is still on my reports. Experian Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00}
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

My personal information was stolen and used to open multiple accounts that I did not authorize. This has happened over a XXXX  year period which I was unaware of until I learned how to check my credit and how credit works. I didn't know how to dispute these matters until recently.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I sent this company numerous communications but all they ever did was sent me a invoice.This collection, originally reported by XXXX XXXX XXXX was removed by XXXX XXXX XXXX. This collection agency refuses to remove. It's even been updated to say IN DISPUTE. Why not say placed in error and remove it completely. This charge is the result of inaccurate billing and even though slow in doing so, was corrected by XXXX XXXX XXXX. 
Since this reporting is inaccurate, there is NO supporting docs that can be produced and fabricating an invoice is not appropriate. 
The truth also is that because of this companies failure to respond with requested support docs in a timely manner it is unfair that this is still allowed to be reported. 
I first requested an investigation back in XX/XX/2019 YET they failed to provide docs. 
CAN'T - NOT A VALID COLLECTION ATTEMPT I've sent numerous request for removal even certified mail but I get no response. 

SETTLED /PLACED IN ERROR/ PAID AS AGREED ( Accurate charges with XXXX XXXX XXXX =JUST ASK XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5. 
Last but not least I have never signed a contract with the debt collector.
Consumer complaint received 2019-04-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (IL)

I had my first initial phone conversation with XXXX XXXX from Radius Global Solutions regarding a charged off auto loan account I have with  XXXX XXXX XXXX on XX/XX/XXXX. On that phone call I stated to Mr XXXX that I am unsure if I would be able to put any money down towards this debt at this moment. On a few separate dates since then, most recently on XX/XX/XXXX - Mr . XXXX called my wife and was going to get into the account had she provided our address and last 4 digits of my social security number. She has stated that she has received a call from that number she received a call from on XX/XX/XXXX several times before but she did not answer, I also am unaware of how they obtained her phone number and also what right he had to try to pass on information regarding my debt without getting consent from me to speak to anyone else. I also have a credit report from late XXXX during which time I was applying for a mortgage and we spoke to someone on a teleconference call from XXXX XXXX XXXX ( XXXX ) and had stated that my account was closed with a XXXX balance. I am also sure of the fact that my number is listed on the do not call list and I have noticed that Mr . XXXX continues to call from different local numbers and area codes in attempts to reach me.
Consumer complaint received 2020-04-07
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. (AR)

I have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXXDEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-04-07
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. (AR)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$570.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXDEPT OF ED XXXX {$10000.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : XXXX XXXX, XXXX Account Number : XXXX
Consumer complaint received 2020-04-07
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. (IL)

My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )
Consumer complaint received 2016-05-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (WA)

They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (NJ)

This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the XXXX time reporting this issue. XXXX is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. XXXX time is a mistake, XXXX times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.