davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I har the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2022, I applied for an increase of credit limit with American Express, for my Blue Cash Everyday Credit Card. On XX/XX/2022, my request was denied.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

One day in XXXX  I opened up my bank of america app and it said i had no accounts. When i called customer service they told me that my account was still active and that i should go into a branch. When i went into the branch they told me that my account was being closed and i would have to wait for a check to come with the balance of my account and gave me a number to call. When i called the number they told me that they can close an account basically whenever they feel like it and dont have to tell you why ( I didnt do anything wrong ) and with a few XXXX  searches seems like this happens quite frequently..
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Since the year 2017, Experian, has failed to provide a credit score to potential creditors I have applied for credit. I have many times called Experian and explained the issue but it continues to be outstanding and they do not report a credit score with my social security number and credit file and it is negatively impacting my ability in attaining credit. I am formally requesting the assistance in resolving this issue of not having a credit score being reported with my credit report to creditors seeking to confirm my credit score. Thank You. Most Respectfully.
Consumer complaint received 2018-10-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (KS)

Caller has called my Wife and given her information about the debt. He did not ask who she was, but he offered the information without verifying who she was. He has been abusive to my wife and she does not want to talk to him again
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (OK)

I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. 

I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. 

This company is NOT a pay day loan lender.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?
Consumer complaint received 2022-06-10
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. (VA)

I am reaching out to you for a resolution to issues on my Transunion credit report Ive been trying to resolve with the CFPBs help for 8 months now. The previous complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.Transunion removed one of the inaccurately reported accounts but left the other four accounts that are inaccurately reported in the exact same manner were left on my consumer report. These adverse accounts are keeping me from purchasing a new home. They are also refusing to update an account that is inaccurately reporting late payments on their report but is accurately reporting on my XXXX report. They have also refused to give me the detailed investigation documents regarding that account. These issues are causing me emotional stress that caused me to see XXXX  due to my financial situation. I am requesting immediate removal of these accounts.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX  XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for XXXX XXXX. I have never applied nor used their CC.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo claims International Wire Transfers can't be refunded. I was scammed into making 3 installments using my savings account money, then monies unknown to me at the time, which were transferred from other accounts I had access to under my name but were my mother 's. My brother and I had rights to overseeing her checking and savings. 
No red flags signaled the banker to stop the transactions or question me further. They assumed I transferred monies in large amounts without even a warning, or if this was legit. 
The first date was XX/XX/2022, ( {$19000.00} ) then XX/XX/XXXX ( {$38000.00} ) then XXXX installment was done on XX/XX/XXXX ( {$19000.00} ). 
Along with these scams were others involving XXXX money cards and XXXX gift cards. The whole scam period continued for 10 days, with a confession from one of the scammers on the 11th day. They impersonated a Wells Fargo Fraud agent and a FTC Commissioner. I have made a police report and one with the FTC.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (IL)

good day I have contacted company last year to provide information about the debt owed which they supposedly sent me but I have never received information requested. 

I filed the dispute with XXXX and XXXX but those steps did not seem to help to solve the problem. I don't understand how Collection agency is providing Credit Bureau with information but not individual involved.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX  XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-12-04
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. (VA)

I have started sending off challenge letters since XXXX XXXX XXXX about my personal information and collections/charge offs. This was basically a warning signal for them to make sure they are doing the right thing. Experian proceeds to say it is accurate without following proper investigation procedures according to the federal law. I call today XX/XX/ and spoke with the supervisor to demand that items that are on my account be deleted because I have never gave Experian any written permissible purpose ( 15 USC 1681b ( a ) ( 1 ) to furnish such accounts and personal information on my consumer report. The supervisor said and I have no right to demand anything to be deleted off my credit report because I said so AND that Experian does not need my written permission to furnish anything on my report. The Supervisor said that this was the law that they did not need any written consent from me. So not only did he said I have no right but he is lying saying that the law says they don't need any written information from the consumer. I know me as the Consumer I have every right to demand what I want furnished on my credit report or not according to the FCRA. They are literally trying to take my rights away WILLFULLY AND ARE IN VIOLATION. 

The abuse on my consumer report was the reason why I was not able to be approved for an Apartment in XXXX, North Carolina called " The XXXX ''. There is evidence from resident verify from the inquiry from Experian. 

Then from my previous CFPB complaint XXXX they wanted additional authorization because they suspected a " third party '' was involved when I already sent in my ID and W2 as confirmation that I am me. As stated from one of your representatives, this is what they respond with when usually they think a credit repair company is acting on the consumer. This is defamation of my character and I do not appreciate that they think I can not act on my own rights and consumer report.
Consumer complaint received 2021-12-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I had a first time home loan thru fha and went thru XXXX XXXX XXXX XXXX XXXX on contract for 30 years and they sold my loan to chase then I got hurt XXXX XXXX XXXX got behind on payments so went thru a loan modification which chase screwed me over and got sued for not helping clients which I was supposed to get a settlement from them never received my payment.after that I put in and received a hardest hit fund from XXXX XXXX in XXXX XXXX I received XXXX XXXX which XXXX payments were supposed to go to chase to pay of my loan.chase was supposed to drop my instrest rate from 6.5 to 4.3 and forgive past penalties and restart my loan which they did neither causing me to loose XXXX XXXX XXXX XXXX XXXX XXXX .banks are criminals home wreckers
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (FL)

purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX   payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (TX)

On XX/XX/2023, Current placed my account " under review '' without contacting me or providing any explanation. I contacted their support, who said they would escalate the issue. I still received no response. I contacted support again, they said they'd escalate it again, and once again nothing has happened. I've received no explanation for my account being rendered inaccessible, and no recourse by which to fix it.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Experian 's automated system does not work. It goes in circles and there is no one to speak to for help. It demands you send a request via mail ... which is not useful. 

The law says they need to comply within 3 days of receipt of request in the mail. This is what I will eventually have to do, but I'm furious that they have made it so difficult. 

Whatever faulty piece of information that keeps their automated system from working with me needs to be fixed. And if there is no faulty information, I would say this difficulty is intentional so that they can sell their credit security services ... instead of complying with the spirit of the law.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (PA)

Fortiva Retail Credit is charging me interest on an item I returned because it was damaged. They received the credit back on XX/XX/2019 but are telling me I have to continue to pay interest on the balance. The company refuses to refund me the money that is credited on the account and the interest.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

Hello, I paid off my home mortgage with US Bank on my home at XXXX XXXX XXXX, VA XXXX in the early fall of 2017. 
I called US Bank Home Mortgage last month and asked them where my final release papers were and they said they were sent to XXXX XXXX NC. I had my neighbor look in the mailbox there but they was not found. I requested they resend them toXXXX XXXX XXXX XXXX. They havent arrived. I request US Bank Home Mortgage to send the original note, mortgage, release documents and statement that my mortgage is paid in full to XXXX XXXX XXXX XXXX, VA XXXX. 
Thank you
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (NV)

The company EVERGREEN PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX is violating debt collection by Illegal Debt Collection Practices Under the FDCPA!!! 

They are harassing me and constantly filing debt collection to my credit reporting agencies messing up my credit score and credit on purpose!! They keep filing in different amounts they say that I owe so they can keep sending t!! They KNOW ITS ILLEGAL AND THEY ARE HARASSING ME AND CAUSING ME STRESS!!! 

They have reported the SAME COLLECTION XXXX TIMES TO MY CREDIT AGENCIES IN A JUST A FEW WEEKS THEY KNOW THAT IS ILLEGAL!!!!!!
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My Carrington Mortgage account was opened on XX/XX/XXXX. I have a VA loan and no escrow account is required. Since the account has been opened, I paid my insurance and taxes out of my own pocket. On XX/XX/XXXX, without my knowledge, Carrington Mortgage set up an escrow account and paid my taxes. I had already paid my taxes on XX/XX/XXXX. I did not send anything in writing to Carrington Mortgage authorizing them to set up an escrow account for taxes however someone in their escrow department looked up my information on the XXXX XXXX website and took the liberty of setting up the escrow account. Now I have a negative balance in the escrow account which has influenced my monthly mortgage payment. I shouldn't have an escrow account in the first place. When I asked Carrington Mortgage who created an escrow account ; they couldnt tell me who wrote to them to have the escrow account opened. My credit card limits were cut, accounts closed during COVID-19 pandemic and I have been a victim of identity theft. I never called in during the COVID situation and asked for any assistance on my home loans so I don't know why my account is being tampered with.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was denied an extension of credit by CITIZENS BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CITIZENS BANK on XX/XX/2022. The letter from CITIZENS BANK is proof and evidence that I have been discriminated against. CITIZENS BANK has violated my federally protected consumer rights.
Consumer complaint received 2019-08-27
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. (NY)

The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX