davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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)

Experian has failed to remove old addresses from my account, even though I've tried to dispute it. They are associated with accounts that I have disputed under Consumer Law US Code Title 15 Chapter 41 Subchapter 3, section 1681a under Part 2 Exclusions, section A ( I ) Experian has failed to remove the address, but XXXX and XXXX have removed them.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I have been a valued customer of Citibank for almost 10 years. I was shocked when they has closed my account without my permission. Citi claimed in their form letter dated XXXX XXXX, 2021 that my account was closed because of a returned or late payment. In my my call and my letter to Citi on XXXX XXXX, 2021, I explained to Citi that I was not late in paying the full amount of my bill, and that if they chose to close my account, I should not be responsible for the full membership fee. On XXXX XXXX, 2021, Citi reversed some late fees and interest, however they claimed I was not eligible for a credit on the membership fee. I have received collection calls for the unpaid balance of my account which consisted solely of a membership fee which I disputed. After placing numerous phone calls with any resolution, I decided to write another letter to Citi on XXXX XXXX, 2021 offering XXXX settlement proposals. I have not received a reply to this letter, and I continue to receive collection calls.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect (NC)

I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score.

Account # :
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC (OK)

I received a loan in 2018 from Dixie finance in XXXX, Ok. The manager for Dixie finance I believe her name is XXXX. She harasses and threatens her customers. She has harassed me at my workplace and when I spoke with her she raised her voice and began to speak to me like a dog. Very degrading and disrespectful. She has chased people down in the grocery store or XXXX after working hours. She has sent them threatening messages on XXXX. She is very unprofessional and rude. She says she is out " collecting '' but I have seen her out shopping or at home. I've tried to pay her a lesser amount than what I owe & she refuses to take it and demands the full payment being very hateful & rude. I will not go back in there and pay my loan until she no longer works there. I refuse to continue being belittled by her.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

I have a savings account with XXXX XXXX XXXX and I tried attaching an external account at PNC Bank where I have 2, checking accounts and 1 savings account. XXXX XXXX XXXX informed me that PNC has blocked customers ability to attach PNC accounts to XXXX accounts for external transfers thus making it difficult for me to move funds from one institution to the other.
Consumer complaint received 2021-12-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

THE COMPANY, PennyMac, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT NOR GAVE ANY CONSENT TO THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON JUNE 5TH 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. PennyMac HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. PennyMac REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN PennyMac AND I, XXXX XXXX XXXX XXXX. PennyMac has also threatened to auction my property and foreclose it. The transaction of a loan from PennyMac into the Consumer 's account of XXXX XXXX XXXX XXXX does not exist.
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX  HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND XXXX  HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
INQUIRES NOT MINE : XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XXXX XXXX,XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX XXXX
Consumer complaint received 2021-12-26
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. (GA)

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, Experian, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Consumer complaint received 2021-12-26
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. (GA)

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, XXXX, and Transunion dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I applied Paypal credit card through Synchrony Bank on XX/XX/XXXX. THe first month, there was an unmarked fee of XXXX dollars in my statement dated XX/XX/XXXX. I called on XX/XX/XXXX AM and asked about this. XXXX at Synchrony Bank told me that it was a security fee I signed up for monthly protection in case I can not pay the bill. I was upset since I did not need or sign up this service. I asked to cancel this fee, but told that I would need to talk with another team. After transferring the line, I was cut off. I called twice more, but still can not cancel this fee and service with Synchrony Bank.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MS)

The Collection Agency CCS COLLECTIONS, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check into my account on thurs. XX/XX/XXXX at around XXXX XXXX.the check amount was $XXXX I got notification funds would be fully available as usual the following day XX/XX/XXXX a Fri. the XX/XX/XXXX passes nothing clears so I gave it until Monday to process Monday morning no change in status, so I called the bank wells Fargo and discussed with a rep I would like to have the check pushed throughthe verification process so I can acess the funds she informed me that the check "bounced" came back insufficient funds. I asked to speak to a superviser and she nicely transferred me to a woman who refused to identify by anything other then XXXX who works there....? she said it came back insufficient funds and that there was absolutely nothing that could be done until Fri the XX/XX/XXXX and funds not available until the XX/XX/XXXX the following Monday. I asked in several attempts for her to do a manual verification over the phone with the bank its being drawn from as I have done with MANY other banks many times and she said that's not possible there's nothing we can do. I asked if I can simply get the check back so that I can take it to the bank its drawn on and cash it to have access to the funds that was given to me. she said no then said well we could do a reversal and put in a claim but that could be 7 to 10 bussiness days before anything would happen. given that information I went to the person who gave me the check and asked them if there were any problems or issues (the guy is a multi millionaire)  he said no called his accountant and had him print me off statement that show the check he gave me for $XXXX cleared is bank fully on Friday the XX/XX/XXXX and left a remaining balance of $XXXX as of yesterday there was still a balance in that account of $XXXX. I called wells Fargo back to try Again to get them to give me the funds that not only were in the other account but that they have taken and are holding and refusing to give me access to that lady was VERY rude cut me off wouldn't let me speak and basically said I needed to be quite while she looked up my info. I also submitted a written complaint online asking for a call back from someone that can handle this manner swiftly and they have yet to contact or reach out as of this point yet .
Consumer complaint received 2021-12-26
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. (MS)

The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and Transunion are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Consumer complaint received 2021-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I paid XXXX XXXX a debt collector for CITIBANK a settlement amount of XXXX to settle the debt in full. I then sent a dispute through the credit bureaus XXXX and XXXX, I attached the receipt from XXXX confirming my payment and settlement of debt. I then received a notification from XXXX that CITIBANK has verified the information as being accurate, meaning that the 219 balance on my report stood, with no change in balance resulting from the settlement that was done on XX/XX/XXXX. CITIBANK refuses to update the correct amount, I've called several times, an either get pointed in the wrong direction or hung up on. Along with the receipt I've attached my statement from XXXX XXXX showing on XX/XX/XXXX a payment of 100.00 dollars was made.
Consumer complaint received 2021-12-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2021, TransUnion is violating the FCRA XXXX XXXX code XXXX. I dispute a charge off account listed on my consumer credit report by XXXX XXXXXXXX XXXX. This account is a charge off that show a balance. A CHARGE OFF should not report a balance. The balance should report as XXXX. This is inaccurate reporting and I want this account DELETED from my consumer credit report. I have attached a copy of my most recent consumer credit report. Transunion delete this account for inaccurate reporting.
Consumer complaint received 2021-12-25
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. (AZ)

I HAVE TRIED SEVERAL TIMES TO GET XXXX PREVIOUS INACCURATE ADDRESS OFF MY REPORT AS I NEVER USED IT OR LIVED THERE, SEE LETTER ATTACHED
Consumer complaint received 2021-12-25
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. (TX)

I am aware that I am a victim of identity theft, I have reviewed my consumer report through Experian and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2021, Transunion is reporting a inaccurate account on my consumer credit report. XXXX XXXX shows the months of XX/XX/2021 ( XXXX ) 60 days late, XX/XX/2021 ( XXXX ) 60 days late, and XX/XX/2021 ( XXXX ) 60 days late. NO CONSUMER CAN BE 60 days late in XXXX month. I have disputed this with the furnisher and Transunion. Transunion is violating the FCRA 15 U.S code 1681. Delete the XXXX XXXX account due to inaccurate reporting. I have attached proof of the inaccurate report.
Consumer complaint received 2021-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Citi Bank has my account frozen due to fraud. They never notified me by email or phone. No warning at all. There was also no fraud on my account. When I call they tell me that I have to wait 7-10 days for a code to come in the mail to access ANY of my funds. I asled for a supervisor and they said theyd call me back but never did. They have hung up on me 3 times. Its the holiday season and I have no access to my money. Wont let me use my card or transfer funds out. Wont let me use ATM. I have no access to my money and they expect me to wait 7-10 business days to access MY MONEY. This is outrageous.
Consumer complaint received 2017-08-16
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: Bread Financial Holdings, Inc. (NC)

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to apply for credit accounts without his consent. While these applications were denied inquiries into his credit were made based on those applications. One of these applications was submitted to XXXX XXXX ; an official dispute of this application and inquiry was sent to Pay Pal certified mail with return receipt however Pay Pal has not responded to the request given to them.