davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for a PLATINUM CARD through XXXX, American Express sent me and Adverse Action Letter denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. American Express is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I BEEN labeled a high risk factor that is far the truth just because I had something happen sometime back with other bank dont mean I m being foolish again. I was ask if I was too send the money and I answer, yes some of it. 
But I wasn't ask would I send it. and the answer is to XXXX no. And this is what I fighting right now. it nit the money as far as I know that check may be as they say. now why is it in my account clean. I can't answer everything and I can't answer anything with out this bank thinking something wrong, right at start I was flag as bad.and sense when is a printed check counterfeit when business account the country print there own checks. To put it planing you just think I doing bad this. but I m not. I want the world to know how this bank is treated and how tis bank is steeling my money. the check was posited and accepted and cleared. but the bank flag my account before I even of the deposit so at time when the guess I was just as XXXX they are and I didnt know anything. That check is fine and the money is mine and I cakllling this bank out to correct this problem. they can t not use my past assume anything. I m not going to set here and let them XXXX ball my name I want cleared and the money release. it is mine like it or not. its all part of step that must happen in collecting this inheritance. I know I dont believe it myself, but it happening. its financial institute the check from come on. but like you I dint know fully what going on. but I know I m not helping or part something that is illegal. This is all I need ti say and I asking this bank to stop the allegation there holding me on. This is about who I am and I hAPPY ABOUT fast you conceived me with me knowing what happen. there in the wrong and I m calling them out on this
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

Today XX/XX/21 I transferred {$50.00} through my bank through XXXX to a scam landlord for a supposed refundable application fee for an apartment to a XXXX XXXX using email address XXXX.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

My mortgage was sold from XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX has selected Fifth Third Bank as my mortgage servicer. While Fifth Third has sent me a letter encouraging me to set up an online account, none of my information appears in their online system. When I called the initial time ( with extremely long wait times ), I was told it would be populated by XX/XX/XXXX. Upon calling this morning -- after my information had not been populated to the system -- the agent was unable to find my information, I was encouraged to go into a branch ( there are none within several hundred miles ) and I was told that if I wanted more assistance I would have to be put back into the queue. 

Frankly this level of incompetence is embarrassing to the federal government XXXX XXXX XXXX XXXX, and I don't think is indicative of typical mortgage servicers.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (MD)

XX/XX/XXXX Married XX/XX/XXXX XX/XX/XXXX Legally separated from XXXX XXXXXX/XX/XXXX Final divorce and property settlement from XXXX XXXXNo financial transactions of any kind (including Pentagon Federal) since year prior to final divorce.XX/XX/XXXX Started to receive notices of pass due loan payment and attempts were made to me to collect by Pentagon Federal Credit Union for loan transactions executed by XXXX XXXX.   My attempts to resolve this matter directly with PenFed telephonically and in person have been w/o success.Today I continue to produce to Pentagon Federal Credit Union final divorce papers with attached paid check to PenFed for remaining balance closeout on this account.  Several times I have provided to their local bank offices (in person) copies of divorce settlement and supporting documentaton to no avail.PenFed continues to seek collections from me referencing that my name cannot be removed from an account (with loan privileges) until XXXX XXXX (Primary account holder) makes the request.I have no recollection of signing a co-signer agreement at any time nor can PenFed cannot produce anything.I have no communications to date; nor knowledge of Mr. XXXX   whereabouts. I had no knowledge this account was still open and there is no activity conducted by me whatsoever.
Consumer complaint received 2017-12-21
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: ProCollect, Inc. (CA)

On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
Consumer complaint received 2021-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.
Consumer complaint received 2021-05-07
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. (TX)

The date of my first letter complaint was XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

On XXXX21 I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes onXX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

My Loan was assumed but 21st Mortgage as of XXXX. I was contacted XXXX XXXX regarding the XXXX payment. At that time I advised that I hadnt been working my part time job and had just completed XXXX school. I expressed that I would be working a few days in XXXX and would try to make a payment on the XXXX. I was unable to due to the amount that I made wasnt significant to complete a full payment. I was advised to Pawn or sell personal items but that I needed to pay! I expressed that I will start working full time on XXXX XXXX as a XXXX XXXX and wouldnt be paid until XXXX XXXX. Although I had applied for partial unemployment I wasnt sure if Id receive it. I was told that I didnt care about making my payment, that I was being unreasonable and even lazy as is pertains to getting the money. I tried to speak with several managers in their collections department and was told that in their department customer service isnt offered and Ill receive customer service when I pay. Ive never been talked to in such a matter by a debt collector. I receive phone calls and emails from them daily regardless of me consistently explaining my situation.
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NC)

My money was stolen, I filed for a dispute and they said I would get an update today it is XXXX in the afternoon I have yet to hear anything after calling and emailing several times. 

Account Number : XXXX Claim Date : XX/XX/2024 Claim Number : XXXX Claim Amount : {$1500.00} Just tired of getting the run around half of them can't even really communicate with me correctly it's just a big mess and now I'm out of my savings and rent.
Consumer complaint received 2022-12-14
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 submitted a letter to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2019-08-19
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: SYNCHRONY FINANCIAL (UT)

Synchrony has failed to retrieve the police reports from the XXXX XXXX   police department yet continue to report to the major credit bureaus debts under my name for accounts that closed due to FRAUD. Detective XXXX XXXX has verified there is ZERO request from the bank for the police reports on file. ADDITONALLY, it is major violation to report data to the credit bureaus that is NOT 100% complete and accurate under a consumer name. The Data furnisher which is Synchrony continues  to report to the 3 major credit bureaus accounts that were closed due to FRAUD anyways. They have failed to retrieve the police reports directly from the police department which is there responsibility as the DATA FURNISHER again which they havent. Cases XXXX-XXXX.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc. (AR)

Request via " Contact Us '' page and letter was sent to the attention of XXXX XXXX informing Central Portfolio Control they were attempting to collect on a debt I did not own, validate the debt, and cease collections immediately. My request was on XX/XX/XXXX by letter was in response to reference letter XXXX dated for XX/XX/XXXX. It was also sent on the " Contact Us '' page on XX/XX/XXXX and screenshotted. They did not respond to either by phone or writing and instead reported this account to creditors, and backed the opening date of XX/XX/XXXX. They are in violation of HIPPA and have failed to follow-through with Fair Credit Reporting. I have screenshots of the letter and " Contact Us '' page.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-05-07
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. (TX)

This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2022-10-11
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)

There is wrong information on my reports which are causing financial harm to me and my family. I have sent out XXXX  of XXXX to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.
Consumer complaint received 2021-05-07
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. (FL)

XXXX XXXX XXXX report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, XXXX XXXX failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at XXXX XXXXXXXX, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX is showing no late payment history based on supportive documents I submitted to validate perfect payment history since XXXX.