davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the fight 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from Equifax. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that Consumer Portfolio was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is XXXX  showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I have tried on numerous occasions to link my PNC personal checking account with online financial institutions through XXXX, but am always told XXXX  is having trouble linking to PNC. I have resorted to using an account from a different bank and have had no problem at all. 

PNC appears to be unresponsive to the issue, which ought to affect more of its customers than just me.
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CO)

Date : XX/XX/2020 Issue : Called through an automated call line to the operator. The operator who received my call put me on a 30-minute hold to " look up the laws in Colorado, '' by which he clearly intended to make sure I was forced to hang up, as he did not return to the line. I was not helped in closing the account, which I am continuing to try and do. I have set up direct deposits and would like to close the card so as to not incur the {$1.00} fine each year.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NM)

I submitted fraud on charges made to my Chase Freedom Visa card on XX/XX/2021, to XXXX online for the amounts of {$140.00} and {$10.00} I even received an email of the XXXX items being delivered to an address in Texas, with a picture of the front door. I NEVER ordered these items and don't even know anyone living in Texas. I have used XXXX online before but these are not my charges! Chase did reverse the original charges while they were investigating. I got a notification from Chase saying that they reviewed my case and " determined I received benefits from these charges '' and they were therefore putting them back on my credit card. I called again and told them they were not my charges. I then received another letter dated XX/XX/2021, that said " You asked us to review our previous findings to the fraud claim on the credit card account above. Here are our findings : Our latest review confirms the previous finding that the transaction is valid. 
The transaction will remain as part of your account balance... blah, blah, blah. '' They are blatantly calling me a liar. I have had this credit card for SEVERAL years and have ALWAYS paid my balances off. My credit score is well over XXXX. I am flabbergasted at how a company can determine that I received benefit from something that I was no part of and that someone could actually charge something to my credit card that I have no awareness of and I'm being told I am responsible for them I cancelled this credit card ( and they reissued another card ) but I am going to cancel my account as I no longer want to do business with a company that doesn't look out for the welfare of their customers and am considering moving my mortgage as well.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

We continue to receive calls from XXXX. They leave this message " We have an important message from the office of Hunter Warfield this call is from a debt collector. Please call us back at XXXX. '' We do not have any outstanding debts.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (DE)

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX New Jersey. Which later I found the double charged me. The card holder which is Synchrony bank was unable to assist in reversing the charge due to the actual company where purchase was made has to. Okay so they gave me additional numbers to contact due to now the XXXX facility is now permanently closed. XXXX which I left a message and was received a phone call back explaining they were unable to assist me. Then XXXX, and XXXX, okay so I called the XXXX store where a manager had me on hold for 58 minutes. So I went there and spoke to him in person and stated that it will be resolved but today is XX/XX/XXXX the charge is still pending on my card and customer service still states that I have to speak with the original merchant. When someone is not understanding that the facility is permanently closed. I'm still getting contact numbers where no assistance can assist me. This should not be I want the charge reversed {$560.00} ( My sales order number is XXXX )
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC (GA)

I reached out to a mortgage company to help purchase a home. I was preapproved and told we were good. During the process they convinced me and helped me sell my home. Once my home was sold and closing was close I was told they were having trouble getting me approved. I explained I no longer have a home because they sold mine. They explained to just wait and they would get me my new home. During that week while I worried about where to live my loan officer ignored my calls and messages. once I called from my daughters phone he suddenly answered. I paid appraisal fee and inspection fee and XXXX towards new home. The day of closing I still had no news and had to start looking for somewhere to rent. I constantly reached out with my fears and concerns but was told to just wait. I ended up having to sign a lease and move to an apartment and called to stop the loan process. I was told that my XXXX would be refunded to me. Now I am told the seller in entitled. Mine and my sons health was affected by the stress of this ordeal and the fear of being homeless. I did most of the leg work for the process.
Consumer complaint received 2021-12-20
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. (TX)

XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing Equifax for being on their side after showing them all evidence. I just wanted Equifax to report a remark to " Volunteered Surrender on the credit report. Equifax states that they are only following procedure and report exactly what XXXX XXXX dictates to them. 
I wish for Equifax and XXXX XXXX of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX XXXX XXXX XXXX does not know where the vehicle is and I have told them. 
PS 2 : Would like XXXX XXXX to surrender title in order for me to fix {$7000.00} repair. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

XX/XX/XXXX I obtained a copy of my credit report. I mailed a letter to Pro-Collect XX/XX/2021 Via certified mail. Receipt # XXXX asking for the following debt to be validated. I requested Original application, Billing statement, Photo identification, Lease contract, IP address, Move out charges, pictures of damage. The company called my wife threating her, if she didn't pay she would be sued. Call recorded. The company mailed a letter back XXXX sending 1 page of application no signature, 1 page of lease no signature, no explanation of charges. 

I sent another letter on XX/XX/XXXX certified mail receipt # XXXX advising that they had not properly handled my dispute. I requested the above information to be mailed to me again. Instead the company replied back on XX/XX/2021 failing to process my dispute this time offering 50 % off the debt in exchange to delete the debt the from my credit. I declined the offer. Sent a final debt for investigation of this debt explanation of charges, if company unable to find explanation that they'd delete the debt from my credit. 

The company replied back XX/XX/2021 debt was vaild and would stand in there office and that full amount was due. 

Pro-collect has failed to process my dispute per section 809 & 813
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I deposited a check that was my rent deposit from a property we were renting. The hold reason is repeated over drafts, and I haven't had an overdraft on that account at all as it is a safe balance account. On the account were the over drafts did happen I deposited a check for the same amount and it was released the same day. Per the email from wellsfargo the check was to be released on XX/XX/24 9 days after the deposit. and now its going to be 12 days for no apparent reason. There were numerous over drafts on the closed account due to account being allowed to over draft upto 3 in the same day. Once it was cleared up and you cleared a check in 1 day versus 12. If you would have advised me that I wouldn't have the funds by XXXX then I would have just went to the issuing bank to get it cashed. 

Wellsfargo is saying they don't have the funds yet, but the check issuers is saying it has sent the funds already for days.
Consumer complaint received 2021-08-03
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. (FL)

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to me
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc. (CA)

I subscribed to the XXXX XXXX for a year in XX/XX/2020 through a XXXX one year subscription. I did not renew the subscription but received many phone calls asking me to renew even after I told them to remove me from their calling list. Now I received a debt collection letter from A.R.M. Solutions ( XXXX, CA ) on behalf of the XXXX XXXX saying if I don't pay a debt of {$42.00} a negative record will be submitted on my credit report. Not renewing a subscription is not a debt, and these scare tactics by the XXXX XXXX are anti-consumer and I feel likely illegal. 

XXXX order : Purchased on XX/XX/XXXX Item # XXXX Redeemed on XX/XX/XXXXCollection agency : A.R.M. Solutions Inc Client Acct # XXXX Agency Acct # XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, Equifax and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX XXXX Consumer reporting agencies are XXXX for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (MA)

I sent Mohela a Validation Of Debt dispute asking for validation of the debt claimed ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of validation. This is in violation of my consumer rights under 15 U.S. Code 1692g and 809 of the FDCPA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2019-06-16
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

On XX/XX/XXXX & XXXX, 2021, my equifax premium account was hacked by my identity thief, XXXX XXXX. He accessed my account online, and by mail ( they told me on the XXXX the mail part ) and unlocked/unfroze my credit file. He also changed my log in email and password, and deactivated by paid service with them. He then submitted a fraudulent credit application. 

Equifax refuses to do anything to stop this from happening. They expect me to call them at least once a day to explain this all, and reset my email log in and pass word and un do whatever the cyber criminal has done. They will not block his number or email address. They will continue to accept his use of my former address as proof. He has also changed my address to his multiple times and Ive reported that also.