davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-04-29
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: Diversified Consultants, Inc. (GA)

I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand Diversied Consultant Open date XX/XX/XXXX.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens Bank , N.A. was sent notice in XX/XX/2023 that the mortgage was rescinded due to violations of TILA AND REGULATION Z as well as breach of duty, breach of care, security fraud. As Grantee of the property, we equitably cancelled the security deed and mortgage. Citizens had 20 days to return our property once they were notified of rescission over a year ago. Our obligation is discharged and terminated. They have brought a complaint that proves they have no lawful remedy, and want the court to declare their interest when their time for objection has passed. As we are the rightful title owner by nature we expect Citizens to return our property and remove their complaint and release any claim as the property is equitably claimed, accepted and acknowledged by grantees.
Consumer complaint received 2019-07-02
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. (CO)

My twin sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted transunion to fix this issue in which is was but only until today when again something of my sisters credit card account from XXXX XXXX, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

As a Bank of America customer, Im specifically writing about their actions, but the same applies to XXXX as well. I am extremely concerned about the recent actions these financial institutions have taken to punish American businesses involved in firearms. These institutions are using their market power to attempt to control policy regarding XXXX  and the second amendment. They are denying financial services to XXXX manufacturers and/or retailers who do not comply with their new policies. Policies that go against the protected rights of all Americans. This is completely and utterly unacceptable. Banks are extremely powerful and through these actions are attempting to circumvent legislation and control public policy. Specifically, they are using their power to attempt to limit the constitutionally protected rights of Americans. This is gravely concerning and must be addressed immediately. It is unacceptable for massive corporations like this to use their power to essentially create laws. This must be stopped.
Consumer complaint received 2019-07-02
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. (TX)

There are several accounts which appeared on my credit report without notifying me first.. I have never dealt with these people in the past..I don't know who they are.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX, XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

My XXXX sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted XXXX  to fix this issue in which is was but only until today when again something of my sisters credit card account from capital one, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX   balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.
Consumer complaint received 2019-07-02
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. (VA)

I'm disputing the following accounts, 1 ) XXXX  XXXX {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Consumer complaint received 2019-07-02
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. (VA)

I'm disputing the following accounts, 1 ) XXXX XXXX {$710.00}, 2 )  XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-04-28
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: Santander Consumer USA Holdings Inc. (CA)

I Search Q In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

Phoenix XXXX debt collection company received payoff amount of {$400.00}. I paid 2 payments of XXXX XXXXon XX/XX/2019 and {$200.00} on XX/XX/2019. They promised to send me receipt and closing notice by email or us mail but I still havent get any notice today. 
I just need written approval of paid off and closed account.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Solutions Inc (MD)

On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full. 

Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement. 

I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check. 

Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

I signed up for a United Explorer Chase credit card on XX/XX/XXXX through the United Airlines website, offering me a {$250.00} statement credit and XXXX bonus miles. I went through the full online application process and received a notification that day ( XX/XX/XXXX ) from Chase that my request had been approved. After booking my flight, I asked to speak to a United agent to see how I would receive my credit. She told me that Chase is in charge of the program and I would receive the credit on my first statement. Subsequently, on XX/XX/XXXX, I called Chase to confirm that the credit would show up against the United flight payment I booked on the card, only to be told that offer the {$250.00} credit would not be honored, and instead they were offering me XXXX bonus miles after spending {$2000.00} in the first three months. When I asked how that was possible given that I had signed up for the {$250.00} offer ( which was in fact the only reason I was enticed to get the card ), she couldn't give me an answer and told me she would take it up with Customer Service who would get back to me. I received a letter dated XX/XX/XXXX from Chase stating that indeed the {$250.00} offer would not be honored, stating that " one must apply through [ the United.com ] channel '' to receive this offer. When I called Chase to explain that I in fact had applied through United.com, I was told there was nothing he could do. After arguing for a while, I decided to simply cancel the card and file a complaint rather than wasting any more time with them. This seems like classic " bait and switch '' advertising that in my view is outright fraud. Not only should Chase lose my business for treating customers so poorly, but I believe they should be otherwise fined or publicly reprimanded to help other customers avoid being duped.
Consumer complaint received 2019-07-01
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. (GA)

XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.
Consumer complaint received 2019-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (GA)

XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with ProCollections Inc. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I visited a chase branch in XXXX ca XXXX on XXXX XXXX XXXX and deposited XXXX $ through the atm number is XXXX XXXX the sequence number is XXXX after the money was deposited I received a receipt that stated to be sure your deposit went through please call us I then went inside the branch and they said they have no record of my deposit however the branch manager XXXX XXXX id # XXXX Filed a claims dispute with chase after 10 days they closed the claim and said it was denied because they dont have record of the transaction they completely stole my money and did little to help refund me I returned on XX/XX/2019 to try and speak with the manager he was rude and did not care
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

XXXX XXXX  XXXX ( XXXX ) called me at XXXX at work about a best buy credit card from years ago, today XX/XX/19 threatening with legal action causing me extreme anxiety. The first call consisted of a voice message recording saying that I have a case against my social security number, name and other things. I call back, they say the last 4 of my social security number and name to verify if I'm who they are trying to contact. I said yeah and they proceeded to say basically if nothing is done today that the courts will proceed with my case and it'll cost $ 3,000+. 

They offered me to pay {$300.00} today, {$300.00} this Friday and the rest by the end of the month which would be a settlement of the original {$1200.00}. Or if I paid {$1000.00} today that it'll be settled. I remember paying off a settlement which I don't remember the balance or which creditor had the debt, a few months ago and it said after paying that, it would've been settled and paid off. So I paid that and then they call today with what I described earlier in this message. I told them I can't afford that right now and they said if I can't they have no other choice but to let this go to the court. They didn't seem to be too professional and told me they can't provide information as to who sold them this debt or provide proof of this debt. I told them that I'll call back, they said I only have 60 minutes from the time I called back or they will pursue with the case. 

About 2 hours later I get a call from XXXX PA District attorneys office ( XXXX ) at XXXX saying that do I know of XXXX XXXX XXXX and I hung up, called that same number back at XXXX and they said no one from there ever even called me and they don't even have any of my information in their office. So at that point I knew something is up and while I was on the phone with the real people from the district attorney 's office, they were spoofing their caller ID again and I didn't answer. Then they called from XXXX at XXXX and again it was them but I didn't answer. At this point I'll probably sue them for harassment and want to report them for the harassment as well.