davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2022-08-13
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

In XX/XX/XXXX I was under a forberance I was told if I paid a certain amount on XX/XX/XXXX my account would be caught up and no fees. I paid that amount - the exact amount PNC requested I pay. After making the payment PNC requested of me I was hit with over XXXX in fees. 
Prior to making the payment I contacted XXXX XXXX to find out exactly what I needed to pay. I knew it was over XXXX but could not remember exactly what - I received a call back and was told it was for {$8300.00} which I paid that day. Only to find out a few days later I had fees over {$2000.00} - This was not what we had agreed or what i was told - I was told when the XXXX payment was made I would be XXXX behind and I would just have my payment going forward. And I know this call when I was told this - was recorded or at least I was told it was I have contacted XXXX several times to find out why I had these fees when I was told the forbearance would zero out anything in the rears but she has not contacted me back - I have emailed over 5 times with no reply. Right when I got caught up XX/XX/XXXX Covid hit and our family was hit with cases of Covid and other hardships. My loan has been on another forbearance, I can not pay the loan and all the fees that PNC is asking for - I shouldn't have the fees anyway. 
I would like to ask for the additional 360 day forbearance time so I can get caught up on the loan now that our family is recovering and getting back to work and school. School just started back last Monday XX/XX/XXXX - hopefully now our Country will get back to normal. If possible I would like for your help finding out why I have fees on this account after I was told I wouldn't and your assistance extending the forbearance so I can get this loan caught up - thank you
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IN)

once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.

XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is not a dispute. TransUnion on its own generated a report I was delinquent on my mortgage. Why did TransUnion generate this? TransUnion never received any report from anyone stating I was delinquent. TransUnion consistently responds with a standard form letter response. Until that changes I will continue to file reports. Refer to my previous 10 - 15 complaints for more info.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.

5. I have been displaced by these particular acts through identity theft and fraud.

6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.

7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX  which is attached.

8. Thus then, remove this product of identity theft and fraud from my Credit Report.

9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.

10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts.

11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.

12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements. 14. 15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit
Reporting Agencies ignore federal regulations.

16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information
Consumer complaint received 2022-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (NJ)

Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank repeatedly keeps putting my bank account in " restricted status '' without informing me. They also keep making snide, rude and borderline XXXX comments when asked about this. 

When I first opened this account in middle of last year, as soon as I transferred my savings here they put my account on a hold status and started demanding all sorts of documents. Even after giving them ample proof of my identity, it took weeks to get the access restored as they couldn't get the simple fact non Citizen US residents can also legally open bank accounts and that not every one needs a drivers license. They have deleted all those chats form the secure message but I specifically remember this woman who called me and told me that it is suspicious that I have so much in savings. 

Another comment they made recently to me by XXXX, XXXX of their XXXX reps, was that my account looked suspicious because I had XXXX linked accounts even though I told them that their website allows that and I am willing to provide proof of ownership for each one of them. Long story short, I logged into my account today and they have again put my account into restricted status without informing me in any way. I am attaching a proof with a timestamp. I wanted to do an ACH transfer from another account but I am worried that Bread Savings might block it or reject it, so effectively they have blocked me from accessing my savings. The worst part is that they don't even bother to inform the customers and I have been a customer with them for more than a year and have kept substantial savings in my bank account.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emerald AR Systems, LLC (AZ)

I did owe this medical debt, but had since paid off to Emerald AR months ago, I asked them to update my credit as I've been trying to fix my credit to buy a home. After the months have gone by, Emerald has not updated my status with XX/XX/XXXX and this results in me paying higher interest, not being able to get into a better loans and better terms. 

I asked for a letter of XX/XX/XXXX balance, Emerald, as with vast majority of other collection agencies would not do and other than " we will mail you a Letter/Receipt! '' In the day and age of instant everything, a payment confirmation takes seconds, yet they apply this tactic to avoid a paper trail so that the consumers can not prove that they slack off on updating credit in a timely manner. In my case, it has taken months to no avail. 

This is no small matter, it affects my ability to get a mortgage loan, and it costs me money long term. I'm not an isolated case that are damaged by these collection agencies - They just want the money, and get away with it.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Simply put Chime ( and its banking partners XXXX XXXX  XXXX XXXX XXXX ) are unreasonably withholding funds and freezing my account. Im not sure if its a scam, fraud, or just a terrible business model, but my account has been frozen for absolutely no good reason. They have claimed suspicious activity in my account, which is puzzling since I have not made a single transaction. I initially deposited {$10000.00} on XX/XX/2020 from another bank I work with ( XXXX ). I solely deposited the funds to generate a higher interest rate on some savings. After being told my account was under review on XX/XX/2020, I was asked to provide proof of funds from the source ( another bank ), which I provided on XX/XX/2020. Despite providing that, they proceeded to freeze my account on XX/XX/2020 and asked for a list of additional information. Once again I provided everything requested of me, on XXXX. I have e-mail record showing I would have a response in 2 business days, which I have not received. Ive called multiple times and Ive been given false timelines for an update, and been told this has been escalated with zero response so far. After doing more research, its clear I am not the only one with this type of issue. In addition to making Chime customer service and their CFO ( XXXX XXXX ) aware of my issues, I have also made aware Chimes banking partner XXXX XXXX ( and its affiliate XXXX XXXX XXXX  XXXX XXXX ). Specifically Strides customer service team and head of marketing ( XXXX XXXX ) and XXXX CFO and head of investor relations ( XXXX XXXX ). Protect consumers from this company. Force them to act legally and ethically, or otherwise the FDIC and consumers will be left holding the bag.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (VA)

I mailed a letter to Credence Resource Manage on XX/XX/2020 in regard to an account for a balance of {$610.00} negatively impacting my credit reports and requesting a debt validation. This company has not responded to my request. I have submitted disputes through the credit bureaus regarding this debt with no resolve. The account was removed from my credit reports ; however, it was put back on my XXXX  credit report. I do not owe this company which is why I requested the debt be validated.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have tried on several occasions to resolve the issue with experian. They have not responded to my request properly. I have not once revived verification or how this so called debt is mine. XXXX and XXXX have verified and validated that this information is incorrect and have removed this account from my record. DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX I have provided all documents, licenses, bills ect and they continue to give me a computer generated response. Remove this from my account the information in incorrect. If 2 other credit bureaus have stated they can nit verifying this information how are you? This is against the law.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (TN)

I recently received a packet from XXXX XXXX XXXX XXXXe. I also received a letter from XXXX XXXX  Bank recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a mental XXXX and is receiving XXXX XXXX XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a substance abuser. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was XXXX in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the XXXX for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. XXXX XXXX have written a query for me showing my former employers. 
From XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with XXXX digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for XXXX years.
Consumer complaint received 2022-08-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (NY)

They left a voicemail on my phone at XXXX on XX/XX/XXXX for my father. I no longer have any debts with any collectors. In this voicemail they said : we need the documents as soon as possible that we have sent out to you recently by mail for your student loans so we can see if you do qualify for the forgiveness program that was recently approved by the government call back if you have any questions or concerns at XXXX extension XXXX. I am not aware of any forgiveness programs. They have called and left me messages multiple times over the past few months and have tried other deceptive tactics ( like mumbling their name and objective for the call ).
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

I have been receiving calls from this number ( XXXX ) for a while just ignoring it yesterday was the last straw. This company called me back to back to back on XX/XX/22 for a total of 11 times between XXXX and XXXX. This is clearly a violation of fdcpa rules. I called the number back it stated Southwest Credit systems. I do not have an account with these people or never signed a contract with them. I have never spoke to them I only dialed the number to get the company name. They need to be fined and I need to be compensated for the violation and harassment.