davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IL)

Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

This is a duplicate collection attempt from a different collection agency both from the same service provider. Details about the debt is below : I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing XXXX for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (UT)

Convergent Outsourcing Inc. 
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX,  paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted me.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.
Consumer complaint received 2022-05-04
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. (CO)

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-06
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. (CA)

I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (CA)

XX/XX/2022 received first letter claiming that they just purchased the debt along with attempt to collect. 

XX/XX/2022, Disputing the debt requesting debt validation. 

XX/XX/2022, Attempt to collect on debt without validation during the 30 days grace period XX/XX/2022 Attempt to resolved XX/XX/2022 Final Attempt to resolved XX/XX/2022 Debt collector delete my access online Also Multiple robo calls. All calls recorded.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX, XXXX, and Experian refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, XXXX, and Experian ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.
Consumer complaint received 2017-09-06
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. (TX)

I have made several attempts to get Experian to provide me with the method of verification on two accounts listed on my credit file. Each time I submit the request, Experian starts another dispute investigation and avoids the request. My most recent communication from them was to contact the data furnisher directly to resolve this matter. I have done so and this data furnisher has failed to provide me with the documentation requested. Due to their failure to supply the data requested and Experian refusal to provide proof of the method of verification, the accounts for XXXX XXXX, Account Numbers XXXX XXXX and XXXX need to be removed from my credit file immediately.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-02-27
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. (NC)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-06
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. (CA)

I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies.

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites.

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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 2018-12-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018 I purchased a brand new XXXX from XXXX using my Bank of America credit card for a total of {$590.00}. The item number on XXXX is XXXX. The XXXX transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to XXXX/XXXX  immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. I then submitted a complaint to Bank of America credit card to dispute the transaction. After this I submitted substantial proof to show that the transaction was fraudulent. Bank of America responded and said that my money would not be reimbursed. 
Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I submitted disputes as timely as I possibly could considering the fact that the phone being non functional was completely outside of my control. There's no way that I could have known that the phone was not going to work at any point in time because it's failure to operate is the result of the seller 's misleading information and fraud about the phone 's being fully paid off. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (KY)

XXXX milestone card fee changed from {$25.00} to {$40.00} I complained and stated stop card, So they removed interest fee. So XXXX I requested a new card and they never sent one but demanded payment. I filed complaint with XXXXXXXX XXXX XXXXXXXX. And they claimed I don't request new card. But the conversation was recorded and now they say I owe {$80.00} but I don't have s card and I don't have a card number. Do I close the account are pay for a card they refuse to send?
Consumer complaint received 2022-02-27
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: GOLDMAN SACHS BANK USA (TX)

This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ND)

The response provided by USbank is NOT accurate... again. There must be some kind of misunderstanding here. I have attached the letter that they provided with their response and highlighted key statements. The red highlighted text identifies the inaccurate statement and is copied below. 

USbank red quote : " This balance transfer is the oldest balance on your account and is where your payments are being applied currently. '' -This is painfully untrue. The XXXX XXXX balance transfer identified in the letter for {$6400.00} is NOT the oldest 0 % balance. The OLDEST 0 % balance is the purchases balance of {$750.00}. Hence why the promotion on the {$750.00} balance ends almost a year sooner! 

The yellow highlighted text is USbank 's acknowledgment that all of my accounts are 0 %. Therefore, all future and past payments should have been applied to the OLDEST balance first ( {$750.00} ) until it reached ZERO $ .

USbank yellow quote : " As explained in our previous response, for balances with the same Annual Percentage Rate ( APR ), payments will be applied to the oldest balances first. As all of your balances are currently at a 0 % APR, this is the rule that pertains to your account currently. '' - The " rule '' mentioned in this quote should in fact pertain to my account, but that has not been the case. In fact, this statement describes EXACTLY what I am trying to resolve. So again, why are my payments NOT being applied to the OLDER 0 % balance of {$750.00}? The quote above clearly states that they should be!
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, DE 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 2022-05-04
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: Spring Oaks Capital, LLC (PA)

I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " XXXX '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " Spring Oaks Capital LLC ''.