davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: CORELOGIC INC (CA)

XX/XX/XXXX after had hired a credit repair law firm in XX/XX/XXXX. My credit score allowed the due process to get a home finance. A loan. I applied with a XXXX XXXX XXXX. My first application on XX/XX/XXXX was denied, because a credit reporting agency had reported a XXXX collections. I owed no debt and the information was incorrect. I contacted the credit bureau reporting it and requested they remove it. I was denied. I returned a phone call to the XXXX XXXX XXXX office. I gave the documents that supported the right for the removal of the collections debt reporting on my credit report withholding the home finance application from due process. The XXXX XXXX XXXX - loan officer had contacted the Credit Bureaus and without incident it was removed. XXXX XXXX XXXX had gotten me the home finance approval as long as my credit report pulled XX/XX/XXXX had no debt /collections reported. The Credit report pulled XX/XX/XXXX approved the process of the home finance. I needed the small down payment for the purchase. etc. I was reported in collections with a payday loan XXXX XXXX XXXX   XXXX redress XX/XX/XXXX. The personal down payment loan assistance and investigation for the return of theft of account going back to XX/XX/XXXX expired the home finance approved XX/XX/XXXX. On XX/XX/XXXX I was notified of a data breach going back to XX/XX/XXXX. XXXX XXXX. In review of credit reports for XX/XX/XXXX & XX/XX/XXXX the information reported by XXXX XXXX XXXX in the collections debt retains 4 debts. Yet on that date of the Inquiry 's it was expressed that XX/XX/XXXX the home finance was approved to process the application and pay the down payment. Down payment was needed so i applied for what i am applicable for in reference to a credit card, financial, tax identity theft indicator prepared by the Department of Treasury. IRS going back to XX/XX/XXXX placing a id theft indicator on account XX/XX/XXXX with credit repair in XX/XX/XXXX for the having of a credit score for the personal loan for down payment assistance. I had no intentions to have to go back to XX/XX/XXXX to remove fraud and etc the FTC XXXX settlement. I contacted XXXX XXXX XXXX in reference to the above information assisting i the undersigned in contacting a company. : XXXX XXXX for my credit report XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX are unable to provide me with a copy or letter affirming its assistance in removal of a debt and therefore the 2 credit reports furnished by XXXX are as equal to provide customer of each credit report on the dates of my 2 credit Inquiry were XX/XX/XXXX & XX/XX/XXXX. : XXXX XXXX XXXX if followed by more XXXX XXXX reporting inquiry to be removed in XX/XX/XXXX. Data Breach XX/XX/XXXX XXXX XXXX credit reports for XX/XX/XXXX and XX/XX/XXXX state totally other than the home finance inqury 's a application. as processed in the information provided.
Consumer complaint received 2018-08-29
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: JPMORGAN CHASE & CO. (NJ)

My credit report shows two accounts that belonged to my parents, not me. The first is called " Chase Card ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

1.Money was transferred from personal checking account via XXXX and was not authorized 2.Bank did not notify of the of the transfers 3.The day after the first fraud occurred on the account, the bank was contacted and notified of the fraud 4.Repeated request for XXXX cancelation to phone representatives at USAA 5 . Bank stated we had to prove we did not make the transfers 6. Bank is stating the transfers were from our phone at our home address. We do not understand this. We did not make the transfers and most occurred on XXXX which seems odd in itself. 
7. Below are the dates, names, amounts and how the transfers were made. 
8. We do not know any of these individuals by name, phone or email addresses. 

Case # XXXX Date Name Amount Email/phone XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XX/XX/XXXX called USAA to report fraud -under review XXXX XXXX XXXX {$320.00} XX/XX/XXXX called USAA to report fraud XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX  {$100.00} XXXX XX/XX/XXXX? -called USAA XXXX XXXX -called USAA Temperance XXXXr -called USAA XXXX XXXX XXXXXXXX XXXX  {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX @ XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXXXXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$250.00} XXXX @ XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - she said call was from phone at home address
Consumer complaint received 2018-08-29
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. (NJ)

My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (CO)

XXXX has continuously denied my credit bureaus disputes stating that I still owe this amount of money and I have submitted receipts over and over that this has been paid. I have also talked to numerous representatives from the agency and they all give me the run around. I have submitted receipts to them directly as well.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MO)

I am having an issue with Citibank checking. A company by mistake ran an automatic debit through this account 3 times in error. I had changed banks. This caused overdraft fees on an account I was closing anyway due to so many issues with Citibank. I explained what happened and requested them to close the account. They refused. They stated I needed to pay the outstanding {$100.00} to close the account. I told them I do not have it as I am filing Chapter XXXXThey refused to close the account and now they are calling at least 40 to 50 times a day from different numbers. I have a block list in my phone a mile long. I have given them my attorney 's name and information 4 times now. They still refuse to stop calling. This is the conversation I just had with them. 
Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 0 minutes 22 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information. 
This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
XXXX at XXXX, XX/XX/XXXX : Are we still connected? 
You at XXXX, XX/XX/XXXX : yes You at XXXX, XX/XX/XXXX : I want a copy of this conversation for my attorney XXXX at XXXX, XX/XX/XXXX : I will totally leave notes on the account regarding your request. I can not guarantee you the calls will stop, I apologize, but the notes will be left on the account. 
You at XXXX, XX/XX/XXXX : You do realize now that I have gave you my attorney information if the calls continue you are in violation of the law You at XXXX, XX/XX/XXXX : Again this is my 4th request You at XXXX, XX/XX/XXXX : I have copied this conversation and forwarding to the FCC and attorney general You at XXXX, XX/XX/XXXX : XXXX calls in one day and is out of control I am at my wits end. All day long at work my cell phone rings. Below you will find a screen shot of the blocked calls for 2 days. This has been going on for weeks.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that written notice of the results of reinvestigation must be issued to me no later than XXXX business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

XXXX XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (PA)

I was randomly charged by a company called First Federal Credit Control , Inc. for the amount of {$150.00} USD as I have no association with this company. I submitted a request to inquire on the incident on their website and received no communication to remove this statement. I initially noticed this bill when I saw my credit score drop. I've read reviews for this company and it is clear that this is not the first incident. I am very upset and I hope you can help me resolve this matter ; I have submitted a XXXX dispute claim as well. Thank you for your time. 

Best, XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights.

15 U.S.C 1681 section 602A 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 consent.
Consumer complaint received 2022-07-09
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: SYNCHRONY FINANCIAL (NY)

Syncb/tjx co dual I been paying my bill on time evrey month no late payments no nonething and they closed my account it should be no reason for this to be on my credit report wen they closed the account
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company is relentless is trying to attempt to collect this debt. the account is not mine. I asked for validation and in their own words they respond " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2016, for E***** H****** whose social security number ends in XXXX and that a balance of {$470.00} was due on the account at the time of PRA 's purchase. '' The Social they quoted in their own response to my last report is not my social. I also ask for validation as they are a 3rd party collection agency and what they provided was bills. Nothing with my signature, correct social, or a contract between myself and their company. This account does not belong to me and if not removed I will pursue legal action as they are in violation of reporting rules.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I paid a bank for overdraft fees then shut down the account back in 2019. They sent it off to Chexsystems as paid but its still reporting on my consumer report. 


XX/XX/2019 XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX PAID IN FULL
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NH)

TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even  went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

HUNTINGTON BANK CLOSED ALL SIX OF MY BANK ACCOUNTS, ONE SAVINGS AND FIVE CHECKING. THEY SENT US A REGISTERED LETTER WHICH WE RECEIVED ON XX/XX/XXXX. WE HAD UNTIL XX/XX/XXXX BEFORE THEY CLOSED ALL OUR ACCOUNTS. THE LETTER THEY SENT US STATED THEIR REASON AS " ACCOUNTS EXCEED OUR RISK TOLERANCE. '' THEY WILL NOT EXPLAIN RISK TOLERANCE AND WHEN WE TRIED TO PULL THE REST OF OUR MONEY TODAY, XX/XX/XXXX, THEY PUT A HOLD ON OUR ACCOUNTS AND NOW WE HAVE TO WAIT UNTIL THEY MAIL US A CHECK, WHICH MAY TAKE UP TO TWO WEEKS. WE NEED OUR MONEY NOW. OUR DIRECT DEPOSIT ACCOUNTS ARE NOW MESSED UP FOR TWO MONTHS. THEY NEVER GAVE US ENOUGH TIME TO SWITCH BANKS. THEY WOULDN'T RETURN PHONE CALLS FOR FIVE DAYS AND WOULDN'T GIVE US THEIR NAME EITHER, IT IS TOP SECRET TOO. WE HAVE BEEN DOING BUSINESS WITH THIS BANK SINCE XX/XX/XXXX.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PA)

XX/XX/2023 I received a notification from XXXX saying I owe an apartment building {$13000.00}. Ive never even lived in this apartment, I filled out an application and was denied so Im confused at how I owe any money and have an eviction on my name when I have proof I lived at a different residence. Ive sent a debt validation and a 609 letter requesting a physical copy of me signing a lease and never received nothing. Ive been asking them to remove this debt since XXXX
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX bankruptcy Reference # 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 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (SC)

The company Mariner finance suddenly appeared on my credit report a few years ago. Ive been reaching out to the repeatedly and disputing through the credit bureaus over the years. I have never had a loan with them. I asked for proof of the debt and they were refusing to budge on that as well! Ive tried many times to get it removed from my credit file.
Consumer complaint received 2018-08-29
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)

On XX/XX/2018, I disputed an account with XXXX XXXX XXXX that is on all of my credit reports. XXXX ( XXXX XXXX days later, XXXX XXXX authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

XXXXXXXX XXXX dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. XXXX XXXX also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that XXXX XXXX XXXX has violated the FCRA and FCRB and did not provide me within the XXXX- ( XXXX ) day time frame as required.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account was opened on XX/XX/2017. It states that i owe {$320.00} which i do not. I tried to contact them to remove this account but no replies. I do not owe them anything. Theres no proof this is my account. Please remove immediately.