davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-24
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: AMERICAN EXPRESS COMPANY (OH)

Fraudulent inquiries:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
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: LEXISNEXIS (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-03
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. (FL)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I opened a " XXXX  XXXX XXXX '' XXXX checking account with PNC during XX/XX/2022. As per account promotions, if i maintain a balance of $ XXXX in this account, I was suppose to get {$500.00} as cash back bonus. From XXXX XX/XX/2022 till XXXX XXXX XXXXmore than 90 days there is no {$500.00} cash back bonus even when the average daily balance was more than $ XXXX. There were good amount of banking errors and unnecessary fees that PNC charged and I need to reach out to PNC immediately for that and they waived off that fees after that. Please refer the statements for last 90 days, average ledger balance was always $ XXXX or more.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

The whole Wells Fargo system is down and there is no way to get money out of my account. Debit cards are being declined, tellers cant access the system. There is literally no way for me to get access to the funds in my bank account. This is the first time in my life that this has happened and now I am going to have to keep an emergency fee outside my bank. Very scary.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (VA)

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX  XXXX XXXX  XXXX  XXXX  XXXX/XXXX  Credit control corporations Experian XXXX XXXX are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Consumer complaint received 2019-02-10
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. (TX)

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Consumer complaint received 2019-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC (MS)

Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
Consumer complaint received 2019-03-31
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: Experian Information Solutions Inc. (GA)

I am formally writing this letter of complaint to you in regards to Experian Credit Bureau. Experian violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 ) certified requests for Experian to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines with verifiable signed contract. The accounts that I have asked for proof are as follows : XXXX XXXX Acct XXXX reported amount XXXX, XXXX XXXX reported amount XXXX and XXXX XXXX Acct # XXXX amount XXXX. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Experian is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Experian. Due to the negligence of Experian failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request if not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Experian. Thank you for time and look forward to this negative impact to be resolved.
Consumer complaint received 2020-08-03
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2019-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (NJ)

I began receiving multiple phone calls on my cell phone from a masked phone number on XX/XX/2018. When I finally answered one of the calls, the individual speaking said she was a representative of Phoenix Financial. She asked my name, which I confirmed, but when I asked what business she was calling in reference to, she hung up on me. On the same date, I called the number back from my work line and spoke with someone who was very unprofessional. He didn't provide any information regarding a debt because he stated he didn't recognize the number I was calling from. When I asked if his business practices involved calling from masked numbers and hanging up on people, he replied " Absolutely. '' I was taken aback by this response and before I could ask that he not call again, he hung up on me. Since XX/XX/18 I have received numerous phone calls on a daily basis from masked numbers that I refuse to answer. I received two letters from Phoenix Financial, dated XX/XX/2018, referencing alleged medical debt. The amount of {$1700.00} with the original creditor XXXX XXXX XXXX is disputed, as my insurance company has covered a large portion of this debt. The second alleged debt is completely disputed. Due to Phoenix Financial 's extremely poor reputation, I immediately contacted them in writing to ask for proof of ownership of either debt which they have not responded to. Today, I checked my credit report and for the first time both debts have been listed by Phoenix Financial Services. I am disputing this debt through XXXX and am making a formal complaint against Phoenix Financial Services for their failure to disclose proof of debt, harassing phone calls where they provide no information and simply hang up without stating the purpose for the call, and for listing two disputed debts on my credit report without substantiation.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bowen & Associates Recovery, Inc (TX)

I had been emailing the collector and informed him that I was not responsible for the debt because management of the company had been changed and I gave them the name of the person who was. 

This debt collector used my sons phone number to call me with. My son, who is stationed in the XXXX XXXX and I hadnt talked to in a very long time and it was his birthday. So I thought my son got the chance to call me and it was the collector. He proceeded to be very insulting and I finally had to hang up with him. He called me names and was abusive.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have an American Express prepaid E-gift card. For a period of time I was able to use it, however, at the time it had {$45.00} ( roughly XX/XX/ ) it began being declined online in stores where I had previously been able to use it ( specifically XXXX ). I called the company and they recommended that I try using it in another online retailer. I tried this an it was declined again. I called two more times, where they recommended I try in-person and through an XXXX XXXX, both of which were declined. 

When I reached out again, they said they were unable to help me and when I asked to be transferred to someone who might be able to, they transferred and then hung up on me. They also seemed to have removed the refunds on transaction fees that they had previously made for me from my transaction ledger.
Consumer complaint received 2022-05-03
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

portfolio recovery is in Violation of 15 U.S. code 5 1681b permissible purposes of consumer report.

15 US code 1681a ( 2 ) ( b ).

Maximum Accuracy 15 US code 1681e ( b ) 15 USC code 1692F Violation section 808 unfair dept practices.

15 usc code 1692G
Consumer complaint received 2022-05-03
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX  XXXX XXXX XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I have submitted a letter from XXXX XXXX requesting that all three credit bureaus correct the information reporting delinquent and late payments. I have attached a letter from XXXX XXXX stating that the 60 days reporting late should be updated to to paid on time. Credit bureaus have failed to update my report which is affecting my credit score tremendously. 

I have attached all supporting documents for reference. You can also reach out to Ms. XXXX from XXXX XXXX XXXX or XXXX for additional information. MY old CFBP complaint is XXXX. 

Thank XXXX XXXX
Consumer complaint received 2019-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I've been in communication with Citizens Bank regarding the excess amount they are requiring as the beginning balance for our escrow account causing a shortage of approximately {$2900.00} when we already had an escrow balance of {$1500.00}. According to the regulations provided at closing the required amount for escrow is XXXX or XXXX of the amount needed. A starting balance of over {$4000.00} is about 40 % of the needed escrow funds. We find this to be excessive. 

I've reached out to the bank and questioned this as well as asked them to rectify. However, I keep being advised the " Office of the Chariman  '' is researching and will get back to me. The last phone call on XX/XX/XXXX I was advised they were still researching and I would be contacted on XX/XX/XXXX stating the Office of the Chairman had resolved the issue. I replied stating that I am not aware of any resolution and restated my concerns of the excessive escrow balance being required and referred to the Real Estate Procedures Act. Unfortunately, as of today, XX/XX/XXXX, I have not received any sort of response, update, or resolution.
Consumer complaint received 2022-05-03
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX XXXX XXXX  XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Consumer complaint received 2022-05-03
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the XXXX data breach and could've potentially been misused by someone else other than myself.