davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I recently pulled my credit in attempt to purchase a home and found a collection on XXXX  from Fair Collections & Out for {$9200.00}. This debt is not mine and I have repeated disputed and requested documentation that this account belongs to me. Each time the dispute is closed as fair under the FCRA. 

I have even submitted letters asking for documentation that this account belongs to me, I have not received a response and I um unable to have this deleted from my account.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession of it.
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector.
Consumer complaint received 2020-02-02
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. (CA)

It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my Equifax. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my Equifax. I have filed a police report and have also opened up multiple disputes with Equifax that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to Equifax also. My family of XXXX will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase will not issue my new banking member bonus of XXXX dollars as I've meet all terms and conditions. 

It's been 15 days from the 90 day term requirement that Chase has outlined in its own terms. 

Note : This situation has arrived because my ATM card account was compromised when I never used it ( this is another issue I have with Chase regarding the security of its information systems ). 

Chase has visibility on all of my transactions ( which were solely comprised of direct deposits, ) thus the above could have never happened. 

Since I had to close my account and create a new one, Chase has been dragging its feet on applying the new member bonus code from my original account to the new one. 

I asked the Chase rep for her to escalate this AND refer me to a manager, but she was unwilling. 

My phone call took place at XXXX PST.
Consumer complaint received 2020-02-02
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: ResidentCollect, Inc. (CA)

It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my XXXX. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my XXXX. I have filed a police report and have also opened up multiple disputes with XXXX  that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to XXXX  also. My family of XXXX  will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC (NJ)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Now all they did was send me a copy of what I sent them and a letter for me to give my personal information nothing else. With that being said my dispute letter was direct, concise and to the point with account number and reasoning. They are stalling and not following law of the Fair credit reporting act and can be found in violation in fact. You had 30 to 45 days and you sending me a copy of what I sent you is not going to cut it. You have nothing to prove this account is mine.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

XX/XX/XXXX, tried linking my debit card to the app XXXX  to save money on the change difference of when i use my card to save for the future but PNC is denying access to the app XXXX  even though I logged in and tried to grant permission to use. This is my money at stake here and I'd like to use it for how I want to save. Please allow access to the app XXXX  so I am able to link my debit card to use to round up and save my money.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (IN)

left vm on XX/XX/19 at XXXX to call Balanced Health at XXXX. Then called again from phone # XXXX at XXXX, then phoned again at XXXX from phone # XXXX. I have never received any mail correspondence from these people and when I asked for it today I was hung up on.
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I am writing to formally lodge a complaint against Amazon Store Credit Card regarding an unjustified and detrimental reduction in my credit limit on my Amazon credit card. 

On XX/XX/year> I attempted to make a purchase using my Amazon credit card. Prior to this transaction, I had over {$1000.00} in available credit. To my surprise, I was unable to complete the purchase due to an insufficient credit limit. Shortly thereafter, I received a letter notifying me that my credit limit had been significantly reduced. 

This reduction occurred without any prior warning or justification provided. I believe this action was taken in retaliation for my decision to pay only the minimum amount due on my credit card balance in recent months. This punitive measure appears to be an attempt to coerce me into paying more than the minimum amount, despite my compliance with the terms and conditions of the credit agreement. 

The reduction in my credit limit will have a severe negative impact on my credit score by increasing my credit utilization ratio. This, in turn, could affect my ability to obtain credit in the future, secure favorable interest rates, and maintain my financial stability. I consider this unjustified action a form of slander, as it misrepresents my creditworthiness and financial responsibility. 

**Requested Resolution : ** 1. Immediate reinstatement of my previous credit limit.

2. A review of Amazons policies and practices to ensure compliance with fair lending standards and consumer protection laws.

I appreciate your prompt attention to this matter and look forward to a resolution that restores my financial standing and prevents further harm to my credit score.
Consumer complaint received 2021-04-13
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. (MI)

I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street  person. Now the creditors have sold the debt to blood XXXX  Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS PORTFOLIO RECOVERY ASSOCIATES, LLC. the owner is a XXXX XXXX coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to XXXX  I should rest 8 hours a day. But how can I, they are relentless, evil  bloodhounds never stopping.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of Ideninity Theft. case # XXXX USAA provides me NO ADA ACCESS ON LINE or option of ACCESS. When I try to resolve Ideninity Theft by phone. I am sent to collections. When I ask for documentation of debt I am sent 1 ) MasterCard ending XXXX XX/XX/XXXX I do not recall ever having. Who ever did have data to this card CREDIT CARD DEBT STATUTE OF LIMITATIONS IN FLORIDA IS 4 YEARS This is a 6 year old credt card debt USAA ATTEMPTS TO COLLECT. 2 ) When I call to resolve I am sent to collections for a MasterCard XXXX DEBT DISCHARGED XX/XX/XXXX This debtor is no longer liable after XX/XX/XXXX AND THIS TOO IS PAST FLORDIA CREDITCARD COLLECTION STATUTE OF LIMITATIONS. When I call to resolve I am sent to collections on attatched 3 ) XX/XX/XXXX Collection Attempt on card ending XXXX I HAVE NEVER HAD There is never resolve with USAA and they break all laws.
Consumer complaint received 2018-05-10
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)

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX which sold the account to XXXX and ALL are reporting.
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Account Control Technology, Inc. (MA)

I spoke with a representative from Account Contol Technology in reference to my federal student loan. The amount I owed initially was {$1700.00}. I agreed to take a settlement amount of {$1200.00} on XX/XX/XXXX the agreement stated I had until XX/XX/2018 to pay the agreed upon amount. The following month my wages were garnished and have been since XX/XX/XXXX. I contacted my employer and was advised the amount to be garnished ( based on the paperwork received by Account Contol technologies ) was actually the full amount. I have since satisfied the agreed up amount and Account Control Texhnologies is refusing to issue a stop pay.
Consumer complaint received 2023-04-06
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: CLGF Holdco 1, LLC (FL)

In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Consumer complaint received 2022-07-23
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. (MI)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-07-23
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. (MI)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

Hi this company has already repossed my vehicle and i already filed a complaint. I am not sure why this company repossed my vehicle but issued me a check. They issued me a check XXXX in the amount of {$810.00} which included the deceased joint applicant. I was not able to cash the check i called Exeter finance and spoke with a supervisor which i explained that the joint applicant past away XX/XX/2022, he advised me they have received the death certificate. I advised can they resend the check just in my name he proceeds to tell me no i need to go to the court and become the executor, i advised i can not do that he has a wife, and she lives out the country. Like why make it hard you have the death certificate just resend the check in my name. I have never had a problem with this company while i was doing business until it came to the end that i was about to own the vehicle and they said i owed this whole lot of money. They where charging me interest every day how is that even legal
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS ( Select Portfolio Services ) obtained my mortgage and have charged fees to make electronic payments. The only way to avoid fees is to mail in payments or subscribe to automatic withdraws. 
Initially the payment fee was {$5.00} and now the fee has increased to {$15.00} with no other payment options other than by mail or automatic withdraw. 
Additionally, they did not offer to waive the late fee since I have never made a late payment. My bank mails my payment directly to SPS and the XXXX payment was not received and this is when I discovered that the payment fee had increased to {$15.00} and add to this the {$38.00} late fee. 
I feel that these fees just for customers to make payments is abusive and predatory. We should not be charged fees to make payments.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

This is a health savings account with XXXX Account Services - PNC Bank as Custodian. I have money in the account and wanted to withdraw it, but the card was expired and they never sent me an updated card. I called several times asking for a card and was advised one would be sent. I never received a new card. I received a statement showing that this company has been charging me {$4.00} a month for no reason. The statement describes the fee as " Benefit Admin Fee ''. This started in XXXX of XXXX. I called on XX/XX/XXXX ( spoke to XXXX ) and asked why I was being charged the fee and she would not tell me, she referred me to my current health savings account bank ( XXXX Bank ) and said they were charging the mysterious fee. I demanded my money back and had XXXX open a ticket ( Confirmation number XXXX ). I also demanded they transfer my money to my current XXXX account and close this account. She advised this must be completed by form. As of today ( XX/XX/XXXX ) I have not receive the form, and they CONTINUE to charge me the fee. 

I contacted XXXX Bank right after that call and was advised by a representative named XXXX that this fee was not theirs, she suggested it may be from my health insurance company. I then called XXXX XXXX XXXX XXXX and spoke to XXXX who said they don't charge a fee and it sounds like it was the bank ( XXXX Account Services - PNC Bank as XXXX ). 

This is CLEAR violation of XXXX. They will not allow me to access my funds, they are refusing to send me the documentation needed to close my account, and they are continuing to charge me a monthly fee that I can not avoid, nor was advised of. 

Side note : My company switched XXXX services at the beginning of last year. The entire time I used them, I was not charged a fee. This fee came without advance notice and without explanation.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 6 inquiries on my report. I contacted the companies to have them removed and they told me to contact the bureau to have this taken care of as they could not. I contacted XXXX  and they removed the inquiries within a week with no problem and I placed a fraud alert on all of my accounts.

I then contacted Transunion and they refused. Informing me that the companies had to do it. So they are sending me in circles with no resolution or willingness to assist me. Only refusal.

The companies are as follows : XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2020-02-02
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. (FL)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX   XX/XX/XXXX 6. XXXX  / XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611