davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC (PA)

XXXX XXXX XXXX XXXX ( Pinnacle Credit Services LLC ) Sent me a letter dated XXXX/XXXX/2016 Stating " The law limits how long you can be sued on a debt. Because of the age of your debt, Pinnacle Credit Services LLC, will not sue you for it, and Pinnacle Credit Services LLC will not report it to any credit reporting agency. However this alleged debt is still being reported on my credit report
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I noticed that purchases was made with my account mid last month. I immediately reported the card lost/stolen. I filed 3 claims. One for the purchases that was pending and the other for the purchases that was already posted. They gave me the money on the pending charges back once they posted. Yesterday they told me that my 2nd Claim was denied because my card was actually present when it was used. I was dumbfounded. I was like duh. He said since it was in the hands of whoever found it that means I authorized it. I couldnt believe what i was hearing. I told him I didnt authorize anything and I would like my money back. They gave me the money back on the other fraudulent charges but not the 2nd one. Im guessing because the 2nd claim was larger. I never use my card credit. All purchases was done by credit. I always use a pin/XXXX XXXX.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Weeks back I got a ding on my credit file stating that there is a new collection on my account. I first called XXXX XXXX, the company that claimed that I owed the money. After asking me several questions, they agreed it was not mine and it would be removed .... STILL NOT REMOVED. 

I then called this collection company that just randomly put it on my credit file. Nothing they asked matched. I never lived in XXXX, Texas. I have never shopped in XXXX, Texas. These people told me the same thing, they would remove it, BUT NOT DONE. 

How do you give someone a loan with my phone number, drivers license nothing close to mine and yet claim that this is mine. This is criminal and highly illegal, not only giving some random person, most likely XXXX, claiming to be someone named XXXX from XXXX?!?, getting a loan in XXXX. FOLLOW ME HERE
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CA)

This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Choice Recovery, Inc. (FL)

My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.
Consumer complaint received 2020-06-26
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. (PA)

Transunion page 10 of 11 File Number XXXX alternative credit inquries inlast 3 months 2 and last 6 months 2 I have not applied or requested credit for nothing.
Consumer complaint received 2016-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2020-06-26
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. (FL)

There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I recently applied for forbearance with my mortgage company which is MR COOPER and the options given to me was only 3 months. I was not given the option of my initial request of 6 months as my right under the CARES act. The wording of their guidelines also does make it appear that I have to pay the missed payments in full and not specify that by law my mortgage payments that is under forbearance should be applied at the end of my contract.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2020 I sent a dispute letter to Capital One Finance and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WI)

I have on multiple occasions tried to borrow money from cash lending apps such as XXXX. In the past with other banks, I have not has an issue. While trying to access my financial data, there is an error on the banks side. I would like it to be easier to use these services and be able to access my data through these services.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

Credit report updated with derogatory mark from collector. Debt appears to have originated with XXXX XXXX XXXX, however I have paid XXXX XXXX XXXX in full prior to canceling my service with them. I've received no communication from either XXXX XXXX XXXX or this debt collector about this alleged debt. It is not mine.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.
Consumer complaint received 2020-06-26
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. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me via mail.
Consumer complaint received 2024-01-11
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions.

15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

It didn't give me the option for which I need help with I was contacted about eight months ago telling me I was part of the data breach my information was at risk they had me fill out some paperwork I did paperwork it was the part of the Equifax data preach I could be in for 3 years trying to tell everyone including FTC you guys FCC Washington consumer credit all the major credit reporting companies and not one person ever told me about this effect data breach not that they had to but I filled out the proper paperwork they told me that it was going to go through some lawsuit it never did that I'm aware of I never been contacted about it ever again I need to know what's going on and never informed why when I did information to be compensated for whatever I put out there because I did have to do a lot of research I did have to do stuff on my own to protect my own credit I was promised they would monitor it they never did I want to know step by step what's going on and what happened and no one is trying to help me in the situation
Consumer complaint received 2020-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

ITS BEEN 60 SOMETHING DAYS AND I HAVENT RECIEVED ANY CORRESPONDENCE FROM THE BUREAUS IN QUESTION AND THIS HAS GOTTEN OUT OF HAND, THESE INACCURACIES ARE BLATANT ERRORS PLEASE CORRECT THESE A.S.A.P
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CA)

I have disputed an account/collection XX/XX/XXXX online via XXXX ( verified this information with an XXXX representative ), in which is inaccurately reporting to my credit at this time. The current balance for this collection is reporting via my XXXX credit file. 
I would like to request this collection be removed from my report as I have no knowledge of this account. I have submitted a debt validation letter via mail XX/XX/XXXX to the creditor : Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX I have not received correspondence or validation of the debt/collection. Attached are supporting documentation of my attempt of validate this debt. 
I am requesting this collection be removed from my XXXX credit file.
Consumer complaint received 2020-06-26
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. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was looking at my report and noticed some things were not correct. I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days from receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Paramount GR Holdings, LLC (WA)

I purchased XX/XX/XXXX. XX/XX/XXXX I changed insurance companies and sent updated info to lender ( Paramount Equity Mortgage ). XX/XX/XXXX received letter stating Homeowners Insurance expired. XX/XX/XXXX called servicing 3 times for help. uploaded insurance invoice as directed. XX/XX/XXXX servicing is still has n't updated my insurance from 1 year ago and they do n't use the web site which they gave me and had walked me through to send the invoice insurance for payment. They answer the phone Paramount Equity Mortgage and then when questioned claim they are XXXX. I have had to pay my insurance to keep it from expiring. The money is being escrowed and should have been paid by the lender.
Consumer complaint received 2024-01-11
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. (TN)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank is spitefully closing my credit cards due to a complaint I recently filed against them. Now, I can not log in and pay my bills. This act of aggression hidden behind their so called terms, which my credit it the same as when I received the cards, is an attempt to hurt my credit rating and good standing. For someone to do this in a time of crisis is unethical and childish.