davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (FL)

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. 

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 XXXXXXXX Dept of Treasu XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

PNC bank has failed to act upon my requests to close my account. 

They failed to ever provide me access to my account, and have then failed to act to close my account. 

I went into a bank branch in XXXX XXXX XXXX, fl over 10 days ago, provided my ID and requested my account be closed, and no action was taken. 

I called and requested the account be closed again, and after 4o minutes were unable to close the account because I couldn't give the precise details of a motorcycle that I owned for 3 months, 8 years ago. 

This is my final request before taking further action. 

Account # XXXX
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (MI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Every since i started making complaints with CFPB about Equifax, they have blocked my internet access to view my credit report or dispute items on my credit report at ( https : //www.ai.equifax.com/XXXX ) now that i have complained about Equifax Inc i am having problems i did not have before. 
I would like Equifax to stop bullying me and restore access to my account, credit reports and my dispute results. 
I also believe Equifax Intentionally mispelled my address again after it waas corrected. 
( They have my adress as XXXX XXXX XXXX ) - ( My address is XXXX XXXX XXXX ). 
That intentional change of that 1 letter has caused me problems and financial difficulty. 
It should be listed as XXXX not XXXX.
Consumer complaint received 2018-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We bought the home in XX/XX/XXXX. We paid the mortgage on time for many years. XXXX XXXX, XXXX became ill and passed away. After he passe away his family XXXX XXXX & her son took over responsibility for the home. They have been robbed by numerous attorneys in their process, document enclosed attorney XXXX XXXX who collected {$4700.00} from XX/XX/XXXX until XX/XX/XXXX. for a loan modification of which he did not get for them to save their home. 

This family has been wrongfully denied a a loan modification. They have tried over and over again to get help. XXXX XXXX is employed with the City of XX/XX/XXXX with an income of over {$100000.00}. per year. Wells Fargo accepted two mortgage payments from this family XX/XX/XXXX and XX/XX/XXXX and the 3rd payment they submitted was returned to them and now they have a sale date of XX/XX/XXXX. 

This family is definatly qualified for a Loan Modification. Wells Fargo re-entry team just played games with them, constantly changing the point of contact, changing the underwriters, as soon as they submitted what they requested they would come up with another list of requests and due back in one day etc. 

Wells Fargo did not review their documents - because they kept asking for the same documents and when the did look at them they said that are too old, and when they asked for a supervisor, they would send them to a voice mail and when they called the point of contact was never available.
Consumer complaint received 2022-09-28
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-06
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: CNG FINANCIAL CORPORATION (CA)

Someone got a loan under my name without my consent. The company is Check n go and on my credit report it is listed as XXXX. Whoever opened this loan had been making payments on it with a bank account that is not mine. I already contacted the company and all the credit bureaus so they can do their investigations.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}
Consumer complaint received 2022-09-28
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)

Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example XXXX XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.
Consumer complaint received 2022-06-06
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. (CA)

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, XXXX, AND EXPERIAN I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped. 
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX   account to them. 
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars! 
Its a total scam. 
Awful and frustrating card. 
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless. 
I also tried and requested a credit line increase and was denied. 
So, buyer beware. 
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page. 

https : XXXX
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being i have rights under 15 u.s.c 1681.

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because:

According to 15 usc 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

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 XXXXdpt edXXXX XXXX XXXXdpt edXXXX 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 2018-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC Bank charged me {$36.00} each for 3 overdrafts that never occurred. I know for a fact that my checking account was not over-drowned on the holiday week-end. It seems that PNC Bank is manually manipulating data on my checking account. My pension from XXXX was posted on my account on the XXXX of the month. 

On the pages that I'm attaching to this complaint, there are no negative balances shown, Every time this happens, PNC Bank wants me to sign-up for overdraft protection.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I received a text message that there was an attempt for a transaction. Message was as follows : " USAA Fraud DepXXXX : Did you attempt a transaction with XXXX on XX/XX/2022 for {$530.00} yes, reply 1, No, reply 2. Reply STOP to opt out. HELP:XXXX  ( XXXX ) XXXX '' I replied 2 and immediately received a call that was from my banks 800 number. The lady asked for me and I replied that I was the person she named. Then asked if I authorized a payment, I said no. She then proceeded to assist with stopping the payment, she told me that my card was not deactivated and said my new card would be sent to my address ( which she knew ). I asked what card and she replied with the last 4 of my card number. She then asked for my phone code and I gave her a number that I don't think is my phone code. She also asked for my USAA number which I stupidly gave her because I was in a panic. After realizing what I had done, I called my bank and reported, they flagged my account and assisted with my security preferences.
Consumer complaint received 2022-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NY)

I made XXXX payments from my husbands incorrect bank account that were returned in the month of XXXX. On XX/XX/XXXX, and XX/XX/XXXX. I rectified the situation and paid the mortgage on the XXXX of XXXX, so the mortgage was paid on time. This month I went to make my mortgage payment I was told I could not make my mortgage payment online by debit card or bank account. I now have to pay a late fee including an overnight fee to send certified funds to The money Source so that they receive my payment on time. I have never been late on my mortgage and am absolutely dismayed and the lack of customer service and understanding from this company. They are telling me I have to send certified funds for XXXX full months which is outrageous and a huge waste of my time and money. This is a disgusting money grab from this so called servicer. I am not supposed to spend money on shipping for something I should be able to do online or even over the phone with a debit card.
Consumer complaint received 2022-06-24
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: TRUIST FINANCIAL CORPORATION (MI)

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

15 U.S.C. 1681 Section A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for any purpose.
Consumer complaint received 2022-09-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-24
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. (MN)

I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Consumer complaint received 2022-06-06
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. (TX)

There are 11 accounts that are reporting incorrectly on my credit report : XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, J. XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX 's, and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX Bank directly and advised that each account is reporting differently to XXXX, Experian, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Consumer complaint received 2022-06-06
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: Bread Financial Holdings, Inc. (TX)

There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to Comenity Bank directly and advised that each account is reporting differently to XXXX, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CA)

Recently I was wrongfully " Denied '' credit. So I called up " Equifax '' to instruct them to mail me my " Free '' annual " Equifax '' credit report. " Equifax '' then told me that I would have to " Pay '' for my " Free '' annual credit report!!!
Consumer complaint received 2022-06-24
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

on XX/XX/2022 I paid Macys {$140.00}, XX/XX/2022 I paid {$100.00}, and XX/XX/2022 I paid $ XXXX. Macy reported to XXXX  that XX/XX/2022 I was 30 days past due for account. This is wrong I was not 30 days past due for XXXX. 

I spoke with XXXX # XXXX he inform me an online account was open in my name I told him I had no knowledge of opening any online account and I never sign anything not to received bills in the mail. I ask him to up date my address and send me all information they have about the onlin account he told me to get a lawyer and have them contact macys their nothing he can do to help my.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I have two fraudulent transactions : - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX for {$1800.00} - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX CA XXXX CARD XXXX for {$1200.00} Someone stole my phone and my wallet and made some purchases on my account. They stole my phone and authorized the transactions. Now my bank is trying to say that I authorized the transactions because it came from my phone number!
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

In the month of XX/XX/2018 I noticed a collection account on my XXXX credit record by the name of Americollect Inc XXXX XXXX  XXXX XXXX WI XXXX-XXXX  for an amount of {$100.00}. I disputed the collection with XXXX as I do not recall this being a valid debt. I was notified by XXXX in XX/XX/2018 that the debt had been verified by the collector and would remain on my report. 
On XX/XX/2018 I send a certified letter to Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX  asking them to send me a legal verification of debt. As this is my right under the Fair Credit Reporting Act. Yesterday I received a letter from Americollect stating that my request has been " deemed frivolous or irrelevant '' and furthermore " there will be no additional investigation on this matter ''
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (CO)

I have recieved numerous offer letters from One main financial. The will call me constantly, they email me and now send me mail. I have never in the past requested, signed up for, or asked for any service through one main financial. I spoke with XXXX XXXX today on the phone at XXXX using the phone number XXXX. I discovered this company had all of my information to include my social security #. They have willfully and knowingly collected my information from a fraudulent source with out permission. They continue to harass me about their products all though I have blocked their phone numbers, blocked their email address when I get them. This company is knowingly soliciting services gathered from information I never game them.
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (IL)

I am filing this complaint against Care Credit/XXXX XXXX for an account I had with chiropractor, XXXX XXXX of XXXX XXXX. I have been billed for services I have never received such as cold laser treatments. I was told I would pay for one visit and get one free. In addition, XXXX XXXX told me he would bill Medicare for some of this care. I contacted Medicare and they said XXXX XXXX Never submitted a bill to them. THIS IS FRAUD, plain and simple, perpetrated against a senior citizen. Prior correspondence from a XXXX XXXX, Senior Specialist, Corporate Consumer Relations at Synchrony, made No sense. She said they could not judge the quality of service. THIS HAS NOTHING TO DO WITH THE QUALITY OF SERVICE, EVEN THOUGH IT WAS HORRIFIC, IT HAS TO DO AS I STATED ABOVE, WITH being billed for services not received, being told one thing and XXXX XXXX doing something else. I called XXXX XXXX   today again and spoke to someone by the name of XXXX. She said there was no one at Synchrony by the name of XXXX XXXX. I said I have the letter right in front of me. This situation is outrageous. My bill should be down to {$150.00} and nothing is resolved. XXXX XXXX Never came up with what he billed Medicare because he never billed them ... he lied, plain and simple.