davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/2018. 

I was contacted by XXXX. XXXX XXXX XXXX initially verified my birthday. But I told him I can't verify his contact and calling. He told me the amount to be paid for credit card is {$330.00} for past due by today and {$1300.00} for entirely clear the payment to activate the account. Otherwise, the card will be closed and won't be available anymore. The card can't be used for a while already. It has already been stopped. He said I can't login to the website but I can provide him with my debit card number by phone to pay him. I am suspicious about giving him my debit card number that he should have known that already. At first, XXXX told me the online banking account will be closed without any entrance to the bank account. Later, he said I can either pay by phone with debit card or still login to use the debit account. I don't know how the payment can be made in the future if the debit account or online banking login is blocked or closed. It's not very consistent. His phone number is unknown from the calling list. This is my first experience on this and don't know how to verify his identity by looking at the phone number. I did have two late payment and the card is not available for a while.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

XXXX did not delivery for 6 months after tank empty. Company contacted number of times. No amount due on account. Obtained survice from another company. Other company installed tank and moved XXXX tank next to road for pickup. 

I informed XXXX at time of switching service leaving message on their phone. I informed delivery truck when it arrived and again asked to pick up tank. I spoke to XXXX a number of times on phone. 

I am continuing to receive tank leasing bill, not from Radius Global Solutions LLC
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc. (NJ)

this is my second request, and the 2nd time that i am sending a copy of my social security card and my driver license along with my FTC report to Experian for my complaint due to identity theft
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. 
( see attachment ) of both XXXX XXXX XXXX  and XXXX XXXX XXXX  are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

Due to Citi Bank freezing my funds and refusing to close my account I was unable to conduct business, pay bills, pay rent, pay loans, pay employees etc. 
My credit has been effected negatively in a big way ; now I am unable to conduct my buisness or apply for loans. 
as of XX/XX/2018 I have not received my money. 

The bankers in the back office were rude and not helpful. 
I expect the gentleman I spoke with on XX/XX/XXXX, who was unprofessional and rude to be talked to and it fired ; I will be waiting for a letter of apology from him as well. This man took out a personal vendetta against me and refused to release my money. 
He is responsible for this entire issue. As an employee of Citi bank the bank will now be healed responsible for his actions and the negative impact on my credit score.
Consumer complaint received 2022-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I received an email that I can no longer use PayPal because I was inconsistent with the User Agreement. They did not specify what I did wrong nor give me any valid reasons or solutions. I have a balance of {$1200.00} that they will not release for another 180 days. I can not afford to wait that long to retrieve my funds. This is not fair to hold MY money.
Consumer complaint received 2022-07-25
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: MoneyLion Inc. (PA)

My information was used to open up an account with Money Lion, I never heard of MoneyLion and never have done any business with them. There is a {$500.00} MoneyLion account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-09
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: ID Analytics, Inc. (CT)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX
Consumer complaint received 2021-05-10
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. (AL)

I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-13
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: Quality Recovery Services, Inc. (GA)

I noticed a couple of months ago there was an account added to my credit report by XXXX XXXX XXXX. It surprised me because it is a very old account. It was involved in a bankruptcy case in XX/XX/XXXX. I'm not sure why they would now add this account after all these years. The statue of Limitations for collection is up being that it is past 6 years, and it was in bankruptcy!!! I reached out to the 3 credit bureaus to tell them about their unfair credit reporting. XXXX and XXXX deleted this account from my report. But on XXXX it still remains.On my credit report they have date of delinquency as being XX/XX/XXXX and date reported XX/XX/XXXX and date assigned XX/XX/XXXX. Clearly this is a blatant case of re-aging my account. And that is a direct violation of the FCRA, Fair Credit Reporting Act. Also I disputed this with XXXX on XXXX XXXX and there is no mention of my dispute listed on my account as of XX/XX/XXXX. Clearly another violation of the FCRA. This illegal and unfair. This incorrect reporting is hurting my credit. I am also contacting the XXXX  and the Attorney General Office to let them know what they are doing to consumers. They need to delete this NOW!!!!
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX XXXX XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX XXXX to pull my credit nor was there a formal application.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third bank received a check via XXXX addressed to me and deposited it in my account without verifying it with me! I had no knowledge of this check until after they deposited it and overdrew my account {$500000.00} because they said it was fraudulent! Now they are closing my account after 20 years for something I had no part of!! They are withholding my federally protected pension and social security. Treating me like a criminal and I did nothing wrong
Consumer complaint received 2023-07-04
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Consumer complaint received 2020-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc. (OH)

On XX/XX/2020 I sent off a debt validation letter to Heritage Acceptance Corporation. It was delivered via certified mail ( USPS ) on  XX/XX/2020. 
Heritage did not complete the debt validation form as requested in the letter which will be included in this complaint. I have highlighted ( Exhibit B ) the areas in the form that were supposed to be completed by the corporation, but has failed to do so. 
Heritage Acceptance Corp has also clearly violated the FDCPA.

15 USC 1692b ( 5 ), " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt '' ( I have also highlighted this violation in Exhibit A ) 15 USC 1692e ( 11 ), " The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' Heritage failed to disclose in their communication via postal mail that they were attempting to collect a debt which violated the FDCPA.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

A recent job loss cause me to fall behind on my mortgage, and my mortgage company offer me a loan modification to help but the payment from the modification was the same or if not more than what I was paying before my hardship. so I made the down payment but fell behind again. I contact the mortgage company and they sent me a package to modify again so I did it promptly and when I called to follow up they told me that my house is in foreclosure status already and the person who sent me a package via email and thru the mail sent the info by mistake. I thinking that I had hope to find out I was given out false information. Please vacate the premises in 30 days. I had the house since 2004.
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C. (NC)

I received an collection letter from these ... .. in XXXX of this year. The letter never provides an e-mail or fax number for me to respond in writing. The ONLY option I was provided to prove that I have notified them to cease is to pay for certified mail. I am certain this is deliberate because if I send the letter regular mail, they could claim they never received it. Anyway, I immediately called to try and obtain other communication, but was only given them options I stated above. I contacted the BBB on XX/XX/XXXX ; specifying the above. At that time, they were put on notice to no longer contact me. 

XX/XX/XXXX Today, I received another letter of collection from these ... ... AGAIN attempting to collect a debt. This is a direct violation of the FCRA as I have informed them NOT to contact me. 
I will ONLY deal with the original creditor as is my right. 
These ... ... are also the subject of a class action lawsuit filed XX/XX/XXXX. They must be put out of business.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

XX/XX/2019 - I chatted with Amex Customer Service Rep with regards to changing my card account to a no fee card. The customer service rep advised to close the card instead and assured me multiple times that my rewards points will not be impacted because I have another card linked to the same rewards account. 

Trusting the company 's representative, I proceeded with closing my account. 

XX/XX/2019 - Amex went ahead and revoked my points that I had earned on my account. I called in multiple times over the next few weeks offering to reinstate my card and get my points back but the company has not even responded to my query even though the reps always tell me that I will receive a call back in 2-4 weeks.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that they be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts 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 2023-03-18
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. (IL)

PNC Mortgage extended me three months of forbearance on their own and also under the CARES Act of 2020, during the COVID-19 lockdowns, for XXXX, XXXX, and XXXX of 2020. Even though they promised not to report this forbearance as delinquency, and even though their doing so is supposed to be illegal, they reported the payments as delinquent, negatively affecting my credit report and score. I made the proper request of PNC. Ive tried to get them to fix this. I filed a dispute with XXXX, but PNC wont budge. This is illegal and immoral. They promised they would not do exactly this, and theyve been evil about it.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

need for Experian, XXXX, and XXXX to REMOVE these accounts that were Furnished without my written consent ; 15 U.S.Code 1681b. In order to furnish my report, You must have my written consent. I did not give my written consent and I did not give Anyone written consent to login to a court website and furnish my information Upon my consumer report. I have the right to privacy as a consumer under 15 US Code 1681b ( a ) ( 2 ),
Consumer complaint received 2018-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. (KS)

XXXX XXXX applied a {$20.00} credit to my account XX/XX/2016. I didn't have a bill anymore from them so I call and they assured me the credit is there and when I close the account they would give it back to me. After I closed the account I do a chat to make Sure they are sending it to the right address. They tell me they see the credit but it is their policy not to give me the money. I said there is a big mistake so they continue to harasss me thinking I'm just going to drop it and they can keep my money. The manager acknowledge he wasn't sure if it was legal or not but he still wasn't going to give it back. They previous representative said it was on Google pay but when I talked to them they said they have nothing to do with XXXX XXXXXXXX. Google stole my money and they deceived me into thinking I would get it back later so I wouldn't file a complaint with my credit card.