davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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: Professional Medical Management, Inc. (PA)

XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Asset Management, LLC (AZ)

XX/XX/2020 XXXX pm mountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX . i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from Pinnacle, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with XXXX XXXX. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a black list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I ordered a XXXX report and I was reading it and it said Inquirer : Fifth Third Bank XXXX XXXX XXXX XXXX, XXXX, OH XXXX ... XXXX Inquirer Date XX/XX/2016 I never requested any banking, credit card or loan with Fifth Third! I appreciate all your help getting this resolved! 
Thanks, XXXX XXXX
Consumer complaint received 2019-06-08
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: Experian Information Solutions Inc. (MA)

XXXX XXXX claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, they are saying on their response to my first complaint that I did like they say because my address matches the one on the application. They are also calling me a liar in their own words and I am upset because that is very disrespectful and unprofessional coming from them. First thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose from me the consumer and thats what I am asking them to provide me with and it seems like they dont have it or dont feel like they have to provide me with it but the FCRA says that a creditor or user has to provide permissible purpose. The EXPERIAN website also states this and that is why I am including pictures to show them that they must provide me with what I am asking for, if this inquiry is not deleted from my credit file I will be calling the attorney generals office and if I have to I will place a small claims suit against XXXX XXXX  for false accusations and for reporting information on my credit file without permisible purpose. I dont want to know anything about what they think, all I want is for this to be deleted now. I dont have to prove anything to XXXX XXXX or any creditor, the creditor has to proof that I initiated this application for credit, in this case XXXX XXXX has to proof that I initiated this application.
Consumer complaint received 2018-07-24
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. (NC)

I have disputed this closed/ charged off account with Equifax , XXXX , and XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in violation! 

I was only able to include one document as proof because this document was the only one I have saved
Consumer complaint received 2020-09-17
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: TD BANK US HOLDING COMPANY (AL)

Order XXXX was placed and billed to my target credit card on XX/XX/2020. Target shipped the goods 11 days later on two separate tracking number. Tracking XXXX was refused and returned to XXXX. Til date I have not received XXXX for the returned item that was never received. I've called several times and was transferred numerous times. No goods or funds. I desire a refund of {$300.00}
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC (GA)

I received a solicitation from an attorney offering to help me with my lawsuit and garnishment. I called to see why I received the letter and they said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX had filed to garnish my wages and that they had a judgment. I looked online and found a summary judgement from XX/XX/XXXX that they renewed almost 7 years later before it expired. I had contacted them around XX/XX/XXXX due to an entry on my credit report for a collection account and never received a response. I have received no communication from them at all, but now that they have waited until this robofiled judgment has almost gone dormant, suddenly they want to pursue garnishment. I have n't even been served with it yet. I called and got nowhere. I know for a fact they were ordered to pay over {$3.00} million dollars to the civil fund in XX/XX/XXXX for the very practices they used in procuring my judgement. I want my judgment satisfied and my  garnishment stopped. They are not a legal practice. They are debt collectors buying debt for pennies on the dollar and using their " law practice for consumer 's rights '' ruse to avoid direct oversight and using the courts to profit. They should not be able to be punished as XXXX XXXX  XXXX and just change their name to the other two partners and keep on ruining lives.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (GA)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (AZ)

After the insurance paid off what they thought the car was worth there was a remaining balance of {$1100.00} and the gap coverage never picked up the charge due to the insurance company putting in the claim to the gap coverage for the remaining balance and we had no recollection of the insurance company doing so there were letters sent out but we never physically received a letter stating that the insurance company had filed a claim On the gap coverage for the remaining balance so therefore there was a 210 day window for the claim process to be completed The insurance company failed to provide all documents necessary for completion so 210 days went bye and we had no idea that the Insurance company put in the claim the The gap inch coverage went into default and they said that we can no longer use the coverage for the remaining amount even though we were paying for it during the loss. They ruined my credit and it needs to be removed somehow because I was covered by insurance and was paying a high amount for the gap coverage
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

For two years in a row, PennyMac has not paid my Escrow for insurance on my house in time. The first time in XXXX, my insurance was cancelled and ultimately resolved. 

This year in XXXX, I have received a call from my insurance company that my insurance was suspended do to lack of payment. After contacting PennyMac, it turns out that my payment was not mailed out and that they would take care of it. Payment was eventually made ( after 5 hours of my time back and forth with the insurance company ), but it should not be the responsibility year over year to be a go-between to make sure payments are made.

When I ask XXXXXXXX XXXX about the calls and letter that PennyMac mailed, they have no record, PennyMac hasn't provided me any details of them calling XXXX XXXX and or the company they represent XXXX XXXX. 

This can cause harm to my credit.
Consumer complaint received 2021-08-13
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: Bread Financial Holdings, Inc. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

All of a sudden my account with Citizens Bank, was frozen I called and asked why, they said they dont know but they are simply reviewing whether they want to continue a relationship with me or not. I asked is there any fraud involved, they said no, just deciding whether we want to continue the relationship. Which is fine, this bank has been withholding my money, has zero human right laws to protect me and my money, doesnt transfer me, or give me a number to call higher ups to discuss whats the reason behind my money being held. All I want is a check sent to my house with allll my money from my savings. This is not right. No other bank would be this bootleg.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, My name is XXXX XXXX XXXX and Portfolio Recovery Associates, LLC ( PRA ) claims they have investigated these complaints and verified the PRA accounts ending in XXXX and XXXX but have not shown full validation by sending a copy of both contracts bearing my wet signature. I have sent multiple letters trying to dispute these accounts but they refuse to remove these items from all credit reports.
Consumer complaint received 2019-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The following accounts do not belong to me. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX card services-XXXX I also did not authorize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card service- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-08
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: Experian Information Solutions Inc. (FL)

I have accounts on my credit report that do not belong to me. I have attempted to resolve the issue but the companies won't respond. 

EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} EXPERIAN - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XX/XX/XXXX {$40.00} - XXXX XX/XX/XXXX {$130.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00}
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (TX)

I was using my Bluebird account as a savings account for a house. 
The last 3-4 months I had some financial difficulties and hand to withdrawl funds to take care of daily expenses, bills, car issues such as a XXXX transaxle that went you on my XXXX, money for a tow, and diagnostics. 

The American Express stopped my loading abilities and closed my account. I always maintained a balance of 7-10k until just recently. I borrowed from myself, and I was planning on getting my balance back up. 

I called customer service 2xs after a failed load at a XXXX. 
They said they couldnt do anything about it. I spoke to 2 managers and was on the phone 3 hours. I explained everything, and they confirmed that I always maintained a high balance. 

This is not right.
Consumer complaint received 2019-06-08
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. (NY)

I had account from XXXX credit card by XXXX bank that account went collection agency called XXXX XXXX I paid them but credit reporting agency never updated as paid after disputing they update account sold even sold I paid the account why they can't update that account is paid
Consumer complaint received 2023-03-01
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: JPMORGAN CHASE & CO. (CA)

I paid 2 car payments through XXXX XXXX as I normally do and Chase never got teh payments. I got a call just once and I let them know payments were made. They said they added the notes and two days later I got a credit alert about a late payment. 

once payment was made on XXXX XXXX for {$450.00} and another payment was made on XX/XX/XXXX for {$450.00} Chase said they never received them so I voided the checks through XXXX XXXX and made the payments online. The credit report still shows i made the late payment which I sent both on time with proof I did.
Consumer complaint received 2018-12-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX I had been informed not by letter, not by phone not in any formal process at all but I have been informed that my credit line was getting decreased almost {$7000.00} {$6900.00} by email. I immediately gave American Express a call I asked them why they did not let me know ahead of time and they stated that they would be sending me a letter. I believe they should have informed me they were going to lower my credit limit prior to actually doing so. I am doing this complaint because I believe some of the actions and things that American Express are doing are illegal. When I spoke with the representative she informed me that if I pay {$3100.00} by XX/XX/XXXX American Express would agree to give me my credit limit back. Originally we had agreed that they would take over my credit limit that I had with the previous company and that agreement I was told I could pay the minimum payments no consequences and repercussions will be brought upon me for doing so. At this point that is exactly what is happening. Also, although the American Express representative expressed this information to me over the phone I gave them a call and I let them know I will pay you the {$3100.00} if you send me an agreement in writing that you will give me my credit back for sure it is a guarantee. The representative simply assured me did they would but said that they can not send it to me in writing which to me sounds strange and not trustworthy at all. I feel as though American Express has went back on their contract that we solidified in the beginning. It's unfortunate that they would give you a certain credit line can remove it from you without notice, & say if you give them a large amount of money they will give it back. This seems to me like bribing and threatening. American Express is making me pay them substantial amount of money under duress which is not fair or legal. In addition American Express lowered my credit limit at an important time in my life ... My credit score has dropped because they took it upon themselves to decrease my credit limit.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (CA)

This is about claim referenced for {$290.00} that posted on XX/XX/year>, from XXXX XXXXand was disputed as a cancelled service. I cancelled these services as they were not provided. These were language lessons that the teacher did not provide and I verbally cancelled after the first session was not provided. The merchant blocked me and I have no way of communicating or showing proof of cancellation because of this. Wells Fargo needs to credit my account for this transaction, as it was cancelled.
Consumer complaint received 2023-01-30
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. (CA)

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX funding account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately