davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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: CL Holdings LLC (AR)

I am filing a complaint against XXXX. On XX/XX/2020 XXXX  processed a dispute request that I sent certified mail.

The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 

Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, XXXX  reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with Jefferson Capital System. The letter was sent certified mail, return receipt. I have received confirmation that Jefferson Capital System is in receipt of my validation letter. As of today, I have not received a response from Jefferson Capital System. XXXX  is aware of all of the inaccuracies and they continue to report this account on my credit file. 

On XX/XX/2020 I re-disputed this account and specifically as XXXX  to VALIDATE the debt. They refused to validate the debt. XXXX sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting. 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 
Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from XXXX. 
What happened? 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been updated. 
Source : XXXX  Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX  is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.
Consumer complaint received 2019-08-02
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. (MO)

XXXX XXXX XXXX experian all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IA)

I signed up for an American Express Cash credit card with the rewards program giving {$150.00} back after spending {$1000.00} in the first 90 days. I spent the given amount in the first 30 days with and additional {$1000.00} in the following 60 days. After waiting several weeks I called in to collect on the {$150.00} and was told that I was not eligible because I was a previous card holder. Upon further inquiry I was informed that it has been over 12 months since the previous account had been closed and it was confirmed that I was never informed upon opening the new account that I was not eligible for the {$150.00} rewards program because of that.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc. (CT)

Hello, I have written. Credit Collection Service ( MA ) on XX/XX/2020 regarding a collection Account reporting on my XXXX  Credit report and also on XX/XX/2020 regarding a Collection Account reporting on my XXXX  credit report. Credit Collection Service ( MA ) was asked to Verify and Validate that this Debt belongs to me. It is now XX/XX/2020 and no validation has been sent. I ask to have these accounts Deleted from my XXXX  and XXXX Credit reports and any other 3 party reporting source.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on Equifax or XXXX. The original contact was with XXXX XXXX. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. Equifax should remove because they violated all inaccuracies in XXXX. 

The last activity date on Equifax is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on Equifax. 

In addition, a 90 days past due is constantly reporting on Equifax and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NORTHWEST BANCSHARES INC (MO)

Bank will not refund all funds stolen from account, due to identity theft/fraud. 
My father past away in XX/XX/XXXX, when I went through his bank statements, I found someone had stolen his debit card info. and had been making a lot of red flag purchases, such as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX My father never charged anything from online sites, since he had no home computer, also his account history for years showed no such purchases. Bank Fraud started in XX/XX/XXXX to XX/XX/XXXX. {$34000.00} was cleaned out of the account. Bank stated will only refund first XXXX from the time fraud started ( which is wrong ). Bank security system did not catch Red Flag irregularities as it should have and if it did, then it should have frozen the debit card. My cousin banks with same bank and if she makes irregular charges, the bank freezes her debit card service. 
I reported theft to Police Department and gave a copy to the Bank, since I had to wait 6 months for courts to make me Executor to my fathers WILL, I was not able to talk to bank and make out Police Report until XX/XX/XXXX. 
XXXX and XXXX who I spoke to at bank admitted that there security system failed. They made comments at XXXXon XX/XX/XXXX. I have spoken to XXXX at the Bank on XX/XX/XXXX and XXXX, XXXX, she stated to me what the Fraud department told her and that if I wanted to file a complaint, she would have Fraud Department call me sometime between XXXX XXXX XXXX, I was in line with other complaints, this is way to long to receive a call, Also from talking to XXXX XXXX it does not seem Bank will reimburse all funds, due to there incompetence. 
Bank is Northwest Bank, XXXX XXXX XXXX, XXXX NY XXXX Ph : XXXX XXXX Police Department Complaint Number XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (FL)

To whom it may concern. I am filing a complaint regarding my experiences with PNC. I opened an account around XXXX of XXXX from that time on I have kept a minimum balance of {$500.00}. In XXXX of XXXX, I opened a secured credit card and put {$500.00} down instead of the {$300.00} minimum the representative asked for. For the last six months, I have maintained at least a {$5000.00} balance in my account and have made all six secured credit card payments on time. Last week I was in PNC XXXX XXXX Branch in Maryland and was proactively solicited for an unsecured credit card. The associate was aware of my relationship with the bank and stated I would be eligible for an unsecured credit card. My current credit score is XXXX. They have denied my request for a credit card and have denied my appeal.
Consumer complaint received 2020-12-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (OK)

I received an email today ( XX/XX/20 ) from someone claiming to represent Spotloan.com. They have a XXXX  email address, not a business email, and the grammar in the email is iffy. They threatened to serve me with court papers if I do not agree to pay {$750.00} up front or {$150.00} biweekly until it reaches {$890.00}. They are obviously impersonating the actual debtor, but I do not know how they got my information or that I had a loan with that company.
Consumer complaint received 2020-12-01
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: TD BANK US HOLDING COMPANY (MA)

Just the other day I ran an XXXX  credit check and much to my surprise, I had issues on my report. There was a joint application for a closed TD Bank N.A. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the XXXX  report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : TD Bank N.A. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at XXXX.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Our mortgage loan had been with XXXX, however as you know they went our of business and our loan was transferred to XXXX/LoanCare. This transfer ocurred in XX/XX/XXXX as my memory recollects. I am a XXXX military Veteran and never expected for this to happen to us. On our original loan with XXXX XXXX, Az originator of the loan we did not include escrow as part of our terms as we put down 30 %. In XX/XX/XXXX when our loan transferred to LoanCare they started adding the property taxes to our monthly payment and we were not aware of this and we continued to give the regularly monthly payment of {$580.00} -- - causing us to be counted as late due to the incomplete amount of the now payment of {$640.00}. LoanCare increased our payment by {$52.00} for the monthly property taxes. In addition this now has been reported to the credit bureaus giving us a negative report and reporting us as being late. On XX/XX/XXXX we sent in an amount of {$1500.00} that we did not know what it was for, however Loancare told us we needed to send that in to keep our account current. Then on XX/XX/XXXX we were told we needed to send another {$1300.00} to cover 3 payments. I am not sure what all of this needed to happen but I would like to know where all this money has gone and for what? 
This is not fair. We have always understood that the terms of the loan can not change once the loan is closed. We need this to be fixed and corrected. Although, I do have to say, we have been giving the payment of {$640.00} which includes the property taxes. 
Thank you for your help on assisting us to get the issue corrected as far as the late reporting on our credit report.
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NC)

I am trying to rollover my 401k from Wells Fargo to my new employer 's 401k. 
I have provided every piece of paperwork that was requested to complete the transaction, including a copy of my driver license and answering multiple security questions. 
They have told me they can not read my license when the exact copy I have is clearly legible. They are purposely delaying my rollover.
Consumer complaint received 2021-11-03
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. (DC)

Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. My SSN Card is the credit card that was used to originate every consumer credit transaction on my consumer report. Every credit transaction involving the consumer was originated by the consumer using their social security card. Pursuant to 18 USC 8, all debts are the obligation of the United States due to the fact that the United States has been bankrupt since 1933 according to House Joint Resolution 192.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

COMENITYBANK/XXXX XXXX XXXX failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX XXXX XXXX a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
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. (GA)

I submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Vertical Screen (OH)

This trespassing charge is not supposed to be on my record after three years, of the legal residence I resided at and paid a fine and met compliance for. It also lists my birthdate incorrectly, in the court case, as XXXX, not XXXX, the correct date, and should have been thrown out, to begin with, of a charge for living in my own home that I would have inherited from my parents, had they not done this, and is still under dispute, since I was listed in my parents living will as a co power of attorney, and co-executive of the estate for my parent 's estate will, that I was not able to do, since they evicted me. My father XXXX XXXX 's original attorney of the estate will : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, and they also had a new living will drawn up, with their new attorney, in the same firm. 

Case Number : XXXX XXXX XXXX, Ohio I would like to make a statement for this report on what this case was about. The address that is reported in a trespassing charge for XXXX XXXX XXXX XXXX, XXXX, OH XXXX, was the legal address, of my parents, where I resided most of my life, including my daughter. 
After my father passed away, my brother and his wife wanted to take my mother to their home and foreclose my mothers house, where I was living. I was originally appointed in my parents will as an executor of estate with my brother, but my brother and his wife had my mother change this. I had been taking care of my mother, who asked me to stay. When they wanted to take her out of the home, I was charged with trespassing, though really my mother could have stayed in her home if she wanted to but did not want to argue with my brother. All of my possessions and family possessions were never returned since I did not have a lawyer, and I also did not want to start a lawsuit. I have never had a record before, and this was an unfair case with my birthdate incorrectly listed in the eviction notice supposedly written by my brother 's wife. Whoever sent it to court, had incorrect information, and my mother was not well enough to start a lawsuit, and they foreclosed her home, which she was paying a mortgage for, and her bills were not late. This was a false eviction, as I was not a tenant in my parent 's home, but a legal resident of my family 's estate where my parents wanted me and my daughter to live.
Consumer complaint received 2022-11-17
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 sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This investigation has been a on going matter. Transunion, XXXX and XXXX sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Transunion, XXXX and XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc. (LA)

I am a natural person and was contacted by a third party collections agency by mail and phone about a debt .Pursuit to 15 usc 1692a, they are not suppose to contact me about a debt they assume I owe. I am including a copy of what was sent from me first and a response from them with a cease and desist. They have violated numerous laws within the exhibits. The caused me stress with contacting me while I'm at work and contacted my wife as to which I don't know how they got her contact info. The original creditor have breeched my confidential information such as my social security number to a third party.