davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: PNC Bank N.A. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, 2020, PNC BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I have contacted Citibank XXXX XXXX Card to work out a settlement which the representative agreed to an amount to settle the account for less. The representative from Citibank refused to provide a letter that details the settlement and attempted to bully me by stating that Citibank is the 4th largest bank in the US. When I requested that I be permitted to use a recording of the settlement for record purposes the representative was rude and said Citibank will not allow a recording of their agreement but they on the other hand can record. This is not only unethical but very shady way of doing business. I made it all the way through the discussion when the representative kept insisting that I must pay without the letter. I requested a fax, email or even go to the bank to get a copy as the funds to settle for less were obtained from family member. I have a illness and the funding would be given by a family member. While Citibank may be large bank the abusing of clients should be frowned upon. The date of the call was on XX/XX/2021. The statement is that I can not settle with them with a stipulation. I have told them various times that the funding was from family member and that I want to make this settlement happen yet they have not wanted to provide the settlement in writting. I was advised that a verbal agreement was not a legal binding agreement.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.
Consumer complaint received 2021-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

I called what I thought was the number to chime to get my credit limit raised on my bank card through and he sent me to a link and he started taking money out of my account he said thats how you raise the limit I told him to put that money back in there and he just kept reassuring me he was returning the money he claimed to work for Chime he took XXXX dollars out of my account called the number on the back of my card and disputed all 3 transactions and they have denied me 3 times I have also went to my local police department and filed a report and also called my state attorney general I sent chime all my documents and they still denied my disputes I want something done I need help!
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

Company Midland funding entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXXXXXX  in XX/XX/XXXXXXXX  I check my credit and same company is trying to collect on same debt I called and Midland is claiming that this new dept. from XXXX  and reported in XXXX False False
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CA)

Hi My name is XXXX XXXX XXXX, Im. writing complaint after I have called XXXX XXXX card by synchrony bank for the last month, I evertime I make payment online, I show the name of the XXXX on the screen before it would say online. I have call the XXXX XXXX card to complaint why Im still receiving emails to my XXXX when change my email to my me.com.I did this changer After I found numerous fraud transactions on my account. which I made police with XXXX and I did a complaint with F.T.C. I also got text saying that a {$12.00} recruiting charge for child advocacy center, I never went to any place name child advocacy center, I dont a child. I have done card placement, due to thefraud that was done on my account, When first Report is the fraud over the phone, the XXXX gentleman that was helping me out, I hope the call was Recording. he found another person on my account but he didn't tell me anything about the person foundry account, I have never authorize any other person on my account, I also would like to know my credit limit was drop down,.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored me.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Refinance closing executed XX/XX/2021 LoanDepot and Closing USA Lender receipt of documents but not check provided to closing agent during signing. Lenders says closing agent lost check 2 days after confirmation of received documents package. Documents and funds shipped in the same package and tracking number. Documents received but check lost check amount {$1200.00}
Consumer complaint received 2019-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/ 2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB.

This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

Nation Credit System is trying to collect debt for another company XXXX XXXX XXXX XXXX XXXX, SC. it was put on my credit on XXXX XXXX for {$1400.00}. Lately they have been changing the amount from XXXX to XXXX. I even called to pay it off but I asked to send me a letter stating if I pay the full amount they would delete it. She refused to do it. She was very rude. If they was just trying to collect the money why is it a big deal to send a promise to delete letter?
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with CAPITAL ONE BANK USA N. I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Our mortgage was placed into forbearance without our permission or us asking. We did not ask for a change in our terms nor did we sign anything giving permission//MORTGAGE FRAUD- Help! They offered on XX/XX/XXXXthey offered to just pick up where we left, we NEVER got any such letter, I checked in with the AGs office thats how I learned same but it was too late at this point! The AGs office could not of cared less! I need help! Please! Im on XXXX  XXXX from side effects of XXXX and XXXX XXXX cant handle this XXXX!!! Please please help!
Consumer complaint received 2017-05-04
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. (NC)

XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NY)

" XXXX portrayed itself as an affordable alternative for us looking to lower their energy bills, but sales reps misled us about solar energy contracts and failed to provide essential information that would have allowed us to make informed decisions, '' robot-calls and receiving open letters in mail box allowing public shamming, exposing my personal information to public with false information from debt collection from this company " A Professional law corp '' caine & weiner XXXX XXXX XXXX XXXX XXXX  XXXX ca XXXX amount of {$28000.00}. 

Re : notice of default ( the customer agreement ) C & W account # XXXX
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect spelling of my name is still on my report after i sent numerous complaints to have it removed. I think i know how to spell my name. My name is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX Also i have 1 address. The Florida address should be the only address listed. I do not live in Michigan at those other addresses. I am a Florida resident. It is my right to have incorrect information removed. Can you please remove these incorrect addresses immediately?
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (MO)

I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.

Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (LA)

I applied for the Citi XXXX credit card on XX/XX/2021, and they declined me for this credit card within 30 seconds. My credit scores are between 712 and 730. I am a very responsible credit user and always keep my utilizations below 10 %. I do not have any late payments and I do not have any bankruptcies or derogatory marks or anything negative at all on my credit card. I have an income and feel that I should have been approved for this credit card. I now have a hard inquiry on my credit report.
Consumer complaint received 2021-01-28
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-10-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TX)

The XXXX of XX/XX/2021 Caine WeinerXXXX damaged my credit history and dscore on XXXX, XXXX and XXXX and threatened they would damage my credit which they did which prevents me from doing business with other and getting high rates. 
Caine WeinerXXXX have violated Title 15 U.S. Code Subsection 1692e, Title 15 U.S. Code Subsection 1692f and Title 15 U.S. Code Subsection 1692d and I am seeking the removal from XXXX, XXXX and XXXX and my credit history
Consumer complaint received 2021-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I was in a car accident XXXX XXXX and after I received all of my medical bills including my medical bills that was charged to me for my insurance company to handle/pay for me and I have my paper trail of that in my files on my car insurance app so I dont understand why this place is trying to add this on my report with that has already been handled by my insurance company already this 2year line that has been affecting my credit and I am LIVID about it because this bs has BEEN handled not this bs isnt doing nothing be affecting the XXXX  out of my credit. My hospital and ambulance bill has BEEN paid by my insurance company and it shows and when I look this up its not real XXXX? What is that?
Consumer complaint received 2017-05-03
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. (MD)

My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to sue and sue me of their mishandling of payment. The apartment complex and Fair Collections & Out has added derogatory information to my credit report. The apartment claims that I owe XXXX. I have EMAILS from the apartment complex stating that my original bill was XXXX, then it was XXXX, then XXXX. It is now being reported as {$5200.00} The company LOST the money orders I sent to them to pay this balance. I have EMAILS stating that they were not able to find the money I gave to them. The staff offered to 'discount ' fees if I paid again and/or set up a payment plan. 

I should not be held accountable for their lack of procedure. I should not be held accountable for the possible fraudulent act of the employees at XXXX XXXX XXXX I want this information removed from my credit report immediately. In addition to this derogatory and FALSE information added to my credit report ; note that Fair Collections & Out never sent me a letter to dispute or a Debt Validation Letter. If this is stated as an EVICTION on any court records I want it expunged.
Consumer complaint received 2021-10-23
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. (NJ)

XX/XX/2021 I called Equifax because I went on the XXXX website to check the status of a dispute that I did over the phone back in XX/XX/2021. I noticed that the disputes were completed XX/XX/2021. I called to see if they could release the disputes on their website like they have done in the past. Instead, the lady read me the disputes over the phone, and they claimed that the creditor verified the accounts as belonging to me. Somehow, they logged the dispute as all the accounts wasn't mine, when in fact I asked them to either correct the accounts or delete the accounts because the accounts were listed as being open but the payment history being listed as a charge off. A account can't be open but still charged off. All the accounts have incomplete information. They don't have the status of the accounts, the balance of the account, the highest balance, late payments, the terms or original creditor, and the responsibility. These actual accounts are incomplete.
Consumer complaint received 2024-01-10
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. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.