davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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: Exeter Finance, LLC. (NJ)

On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. 

XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. 

On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced.

I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. 

If you can not provide this simple document then you must delete this inquiry. 

Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.
Consumer complaint received 2018-12-04
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. (NJ)

XX/XX/2018 I received several alerts with my credit monitoring saying that I applied for credit online. 

I never filled out any applications, so either it's a mistake or my identity has been compromised. 

I am waiting until the end of the year to apply for credit cards and don't want this many inquiries on my report especially when I did not authorize them. 

They need remove XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2018.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX  days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

On XX/XX/18 I called XXXX XXXX XXXX XXXX XXXX XXXX   at XXXX XXXX XXXX concerning a previous medical debt. I had not received ANY statements from XXXX  and wanted to know what the status was. I spoke to XXXX, Supervisor and asked about the debt. She said I owed money. I told her I never received statement and wanted verification of the debt. She replied that since I called that showed I was aware of the debt. She said I needed to pay in full and if I didn't they would report me. I told her that I hadn't heard from them in months and now I have to pay in full for a debt I'm not fully aware of? Our conversation became heated. I said that I would pay the debt in full right now. XXXX refused to accept payment. I had to call later that day. I spoke to XXXX. She accepted payment in full for {$99.00}. I received a letter from XXXX noting the recent payment but for the wrong amount. The amount I paid is {$99.00}. The letter reads {$40.00}. This account has been paid in full.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Schachter Portnoy, L.L.C. (NY)

On XXXX XXXX  of this year, I was served a Summons and Complaint from Schachter Portnoy, LLC, regarding a debt I owed their client, XXXX XXXX XXXX, XXXX. Prior to this, I received no communication, either via phone, or letter, that they purchased the debt from XXXX XXXX  ( formerly XXXX XXXX ).
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (IN)

My credit report has XXXX XXXX as an employer. I have NEVER worked for them. 

I work for XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX : please remove inquiry from my report. I only agreed to a silly inquiry XXXX : please remove charge off and closed from my report. It was opened fraudulent by a XXXX  without my knowledge. I have paid it in full. Same issue happened with XXXX account but is hurting my credit XXXX : please XXXX charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with XXXX. Small account but hurting my credit
Consumer complaint received 2019-02-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc. (GA)

Your response to XXXX indicates that the {$2000.00} was for XXXX and XX/XX/2018 were delinquent! Claiming you did not receive my mortgage for those months. I mailed and faxed to your office in Oregon after receiving the threatening letter to pay {$2000.00} or my loan would accelerate? Of course, no one EVER received any faxes or mail forcing me to pay the {$2000.00}. I have attached my BANK proving AGAIN that XXXX and XX/XX/2018 mortgage were paid ACH! 

I want my {$2000.00} back! NOW this clearly indicates that the mortgage was paid in full {$1100.00} for XXXX and XXXX leaving my account OVER paid with money I borrowed and I want it ALL returned as it is not yours! 

This is not how professionals handle money! I have sent this also to Washington showing them that this account is paid and was paid in FULL when you threatened to accelerate my loan! An Audit on this account would show overpaid! The money you demanded ( that was not owed ) was paid by a cashiers check and I have proof it was cashed! 
IF I do not receive in full I will take this further since nothing is happening this route. 

XXXX XXXX # XXXX
Consumer complaint received 2022-09-14
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-04
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. (IN)

This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXX. : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX 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 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 EQUIFAX XXXX XXXX EQUIFAX 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 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 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 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 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
Consumer complaint received 2021-09-25
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: AmeriCollect (PA)

Americollect Inc. Account # XXXX, Account # XXXX I sent Americollect Inc. a dispute about the violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I DID NOT GIVE AMERICOLLECT INC. WRITTEN INSTRUCTIONS TO REPORT TO MY CONSUMER REPORT.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2019 : I went online to open a checking account at Bank of America with intentions to deposit check for retirement withdrawal. 

XX/XX/2019 : I received Retirement withdrawal check via mail from XXXX XXXX services. I called Bank of America to understand if I was allowed to deposit this check as my initial deposit in the account. I was told that I can deposit it, but there will most likely be a hold placed on the check and any funds that are made available immediately will be identified at the time of deposit. 

XX/XX/2019 : I deposited my check for {$9200.00}, and I was able to present my Drivers license as a form of identification and I received a receipt stating that {$200.00} would be available immediately, and the rest of the check will be held until XXXX XX/XX/2019. I was also informed that I would receive my new debit card within 4-6 business days. I chose to wait for my debit card instead of taking the {$200.00} cash at the time. 

XX/XX/2019 : I wanted to get my {$200.00} because I was low on cash and I went to the back to get the {$200.00} that was explained to be released and they stated that the funds were not available. After the branch manager called corporate to find out more information I was told that the account is being closed due to a lack of proof of identification. I was explained that since the account is in the closing process, then I will now not be able to have access to my funds for 7-10 business days. I then called the original provider of the check, XXXX, and they stated that the funds have been released to Bank of America. I then spoke with the closures department over the phone where they confirmed that the funds are still being verified and that I will not have access to these funds until the closing process is completed which is scheduled for XX/XX/2019. Then they explain that once the account is closed then I will be sent a cashiers check returning the money and that will take 7-10 business days to arrive. 


I need this money to pay bills. I have already gone one week. I owe on credit cards and utility bills and no mater what I do they continue to tell me that the funds are not available and They can not release them to me. I have provided proof of identification and they continue to hold my money. My credit score and credit companies are asking me for payment of which I will accrue overages and fees. not only is this inconvenient it will be affecting my future financial health.
Consumer complaint received 2022-09-14
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-11-29
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. (TX)

You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on  XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. 

At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. 

I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on  XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. 

We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau.