davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2021, after speaking with a supervisor in regards to receiving a credit due to canceling a XXXX purchase for a Car battery - wouldnt arrive there in time before the Auto Center closed. XXXX had not even had the battery prepared and/or ready for pickup! 
I was denied being granted a credit since it was reversed on XXXX side ; I would have to wait. I was livid because I need my car to work! XXXX confirmed that they cancelled the transaction, its now in my banks hands. Which I had/still have the reference number for the conversation thread and cancellation email. Still I will just have to wait. 
My account is now under review and any money I do have in that account is untouchable. 

I was not given any notification or anything. 
No explanation as to why. 

Just told to wait. 

Living paycheck to paycheck, I do not have the privilege to simply wait. This is where the direct deposit for my paycheck goes, this is how I pay my bills and how I maintain my livelihood. 
I dont have access to any other accounts or money! 

On XXXX XXXX, I got a rep on the phone he was unable to give me any answers as to why this was even going on! 
I impatiently asked to speak with a supervisor. 45min later, the supervisor tells me the exact same thing unknown as to why my account has a hold and has no ETA on when it will be lifted. 

I Have absolutely no access to my money, THE MONEY I WORKED FOR! 

For something that Im not 100 % CERTAIN about because NO ONE HAS TOLD ME ANYTHING. NOTHING!! 
Just to WAIT! 

This is not right! 
I have a loan coming from my 401k into that account TOMORROW ; due to me already being dangerously behind on ALL ON MY BILLS & and now I have no access to it! 

They sent a message to my account but I am unable to view it, since I am denied access to even sign in! 

How is this legal? No heads up. No notification. No explanation. NOTHING. 
Just Boom.XXXX Denied access due to being under review- under review for what?! For what?! 

I get paid THIS WEEK THURSDAY and the loan is set to hit my account tomorrow. 

I need access to my money ; My car insurance cancelled today My car is STILL unable to start, Already has a fairly good chance of being repossessed if not paid by this week Friday! 
Soon my lights will go off! 

All I am being told is to wait. 
WHAT EXACTLY AM I WAITING ON?! 

ITS MY MONEY ; I DO NOT UNDERSTAND THE NERVE THAT CITIBANK HAS TO COMPLETELY DISREGARD THEIR CUSTOMERS AND THEIR LIVELIHOOD! 

ARE YOU ALL AWARE OF THE PHYSICAL DAMAGE AS WELL AS THE MENTAL ANGUISH YOU ARE CAUSING?!! FOR ABSOLUTELY NO REASONABLE EXPLANATION! 

I WANT MY MONEY - THATS IT! 

AFTER RESEARCHING HELP ONLINE, I NOTICE THAT YOU ALL DO THIS A LOT! 
YOU ALL NEED TO GIVE ME AND ANYBODY ELSE YOUR DOING THIS TO, RELEASE OUR MONEY!! 

No average ETA or explanation provided FOR this. 

This is inhumane. This is dangerous. 
This is simply not right!
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

The loan was purchased from MB Financial by Fifth Third Bank in mid-2019.  I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank.  Each time, they do not complete the transaction and are now saying that I am past due on the loan.  Each time, they asked for my routing and checking account number and I have provided it.  They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out.  I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC (OH)

DNF Associates filed a lawsuit in XXXX XXXX XXXX. Not sure how as do not even know this collection agency. False claims filed in court without contact to me without providing a legal valid debt by law. Old debt XXXX I have sought legal rights which is to wait it out from hardship that I have no assets or garnishable income. I can file bankruptcy any day if needed. However too old of a debt that was discharge by XXXX that am not sure how this was obtained as a write off by XXXX if they sold an old debt but regardless legal debt practices were not followed. Not sure why 2 copies of debt paperwork that is most likely hacked sources would be accepted by a court and why questions are not legally asked on attempts from them. This is illegal debt practices by law. Bill of sale also does not have DNF signature. 3 signatures same name. Not notarized. My name is not on documentation. From XXXX and never been contacted by them. Bill of sale has XXXX XXXX XXXX  XXXX XXXX  and DNF is listed but no where am I listed with sale amount. An attachment of the debt service from this is provided however no where on Bill of sale is there any legal binding to any debt owed. XXXX XXXX was debt holder at the time of XXXX of my account was the only owner of debt and seems odd namage of non binding XXXX on Bill of sale to gain funds illegally with no contact at all by named DNF in lawsuit. Debt is a minor amount that attorney fees would be above debt that appears harassment and other illegal activities. Named attorney XXXX XXXX XXXX I have had other harassment in the area and difficult time in comparison to others I know whom have had debts. I did attend high-school with a XXXX XXXX and I believe they are related to XXXX from reading about XXXX and XXXX. XXXX works at XXXX in XXXX XXXX. Another XXXX was at a doctor 's appointment when do not think he was an employee that was reported to the FBI. He wanted me to sign an unlawful pre-written document at time of doctor 's appointment for work injury.
Consumer complaint received 2023-03-09
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: ACIMA CREDIT, LLC (GA)

I have submitted multiple disputes with XXXX to remove acima from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with Acima and the manager stated nope from XXXX has requested and information from them.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CA)

This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.

2. The nature, date, and amount of the alleged debt. 
3. The current balance you claim is owed.

4. The name, address, and telephone number of the original creditor and applicant that applied for this account.

This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (MD)

In regards of incorrect information from Experian in Credit Report, the investigation took more that 30 days. No response. Concern about unverified card usage. We also requested for the release of the Creditor name.

I demand to see a varifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

I demand that the following account be verified or removed immediately Date reported : XX/XX/2021 Amount : {$5300.00} Action : called Experian and sent dispute letter
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A. (KS)

I was contacted by XXXX XXXX of XXXX XXXX XXXX from ( XXXX ) XXXX telling me that they were a 3rd party and telling me to contact XXXX XXXX  XXXX at XXXX. I was also given a case number to use when I called. I called XXXX XXXX  XXXX and gave them the case number as reference. I was directed to XXXX XXXX. He said that they were a law firm located in XXXX and he was at the main office. I was informed that they were trying to collect a debt from National City Bank that was almost XXXX years old. He said that they had tried to send me a certified letter and I wasn't there so another attempt would be made that day, which was XX/XX/2022. He had no information regarding when the first attempt was made. I told him that I had checked with all the credit rating agencies just last year and didn't see that debt listed and got short with me. I called him back after realizing that the statute of limitations for a car loan was 4 years in XXXX  which is where the loan was defaulted on and 5 years in XXXX where I now live he got very angry and derogatory. I do not believe this to be anything more than a scam.
Consumer complaint received 2021-12-04
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: JPMORGAN CHASE & CO. (NY)

I was reviewing my credit report and I got a new inquiry on XX/XX/2021 from Jpmcb XXXX that I searched up and said it was Chase. I never applied for a card from the bank.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from XXXX XXXX named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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.

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 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from XXXX XXXX named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )
Consumer complaint received 2019-08-19
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)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2022-04-07
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  Account # 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 an account without my written instructions
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

Closed on a new home on XX/XX/2019 which is financed through 1st Bank Puerto Rico.Before receiving my first statement, I was given a wrong address to send my first payment to by the 1st Bank mortgage broker. It was a minor error that had an incorrect XXXX XXXX XXXX XXXX vs XXXX. When I received the first statement in the mail which was after my bank (XXXX XXXX XXXX Online Banking) mailed the check with the incorrect PO Box, I immediately called 1st Bank customer service and spoke to a gentleman who advised me to stop payment on the check. I did that and made the August mortgage payment via their website instead.Received a letter today in Spanish which I didn't understand so I called customer service and was told that I will be incurring an insufficient funds fee due to the stopped check.This is unfair as it was not my fault. I was given the wrong address and was advised by their customer service previously to stop payment on the check.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is in regard to my previous claim : XXXX Bank of America has wrongfully handed in my claim and has denied my dispute within the legal timeframe. I had not received the item I purchased from XXXX through my debit card from Bank of America. I opened the claim within 1 week and they denied it as they relied on a fake claim from the delivery service. Then they said I have missed the claim window. Now, they are saying I have to solve this with XXXX XXXX. It is not my job to deal with XXXX XXXX or delivery service ( XXXX ). It is Bank of America 's job to safely keep my money and be fraud-free as they had promised at their initial account opening. 

You have to revive my money XXXX and put it back in my account. Bank of America is responsible for my loss of XXXX. YOU HAVE TO give my money back.
Consumer complaint received 2020-10-27
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. (TX)

Good Day, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-08-05
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

This was a medical debt of {$1700.00} that I owed to XXXX XXXX, XXXX   and collected by Transworld Systems , Inc. This debt was paid in full by check which was cashed on XX/XX/2020. Payment in full was acknowledged in writing by XXXX XXXX and Transworld Systems, Inc on XX/XX/2020. Since then, I have received monthly requests for payment of an additional {$350.00} despite the fact that I have mailed a response disputing the claim and a copy of the letter stating that the account had been paid in full.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want select portfolio services to show us they are the legal owner on our trust deed.We want select portfolio services to give us oringinal wet ink paperwork that they hold legal title on our home. Many servicers have transferred our loan over the last 13 years we have been done wrong on this loan.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (TX)

I have received a billing statement from HOME DEPOT for a credit card which has NEVER been applied by me, this was received in USPS mail on XX/XX/2020. 

The amount of credit limit on the statement shows up as {$8000.00} and the Purchases made fraudulently on that are of {$5300.00} I had called the HOME DEPOT credit card Customer Service on XXXX, and they were not able to resolve so they connected me to their fraud protection agency who were on the phone with me on XX/XX/2020 for 1 hour 16 minutes from XXXX CT Towards the end of my call with them, the fraud protection agency did confirm that the issue has been resolved and provided a reference # XXXX, but I repeatedly asked them to send me some communication by mail or email, but they were not willing to do so. 

I just need an assurance that this is resolved and that I am not liable to pay any amounts for purchases which have NOT been made.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that Credit Collection Services has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.