davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I hope this letter finds you well. I am writing to formally report and dispute two collections on my credit report, as they are the result of fraudulent activities. I have identified significant inaccuracies in the information associated with these collections, and I am seeking your assistance in their immediate removal. 

Details of the fraudulent collections are as follows : XXXX XXXX XXXX ( {$530.00} ) - Opened on XX/XX/XXXX : The listed birth year is incorrect ( XXXX instead of XXXX  ). 
The reported addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, and XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX are unfamiliar to me, as I have never been to California. 
XXXX XXXX XXXX ( {$220.00} ) - Opened on XX/XX/XXXX : The birth year is inaccurately stated as well ( XXXX  instead of XXXX ). 
The reported addresses and phone numbers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX phone numbers XXXX, XXXX ) are not associated with me. 
To assist in the prompt resolution of this matter, I kindly request : Thorough investigation and verification of the provided information. 
Immediate removal of the fraudulent collections from my credit report. 
Communication of the resolution and corrections made to the credit reporting agencies. 
I have attached supporting documents, including my correct personal information, to facilitate the verification process. Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me at XXXX or XXXX. 



Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kornerstone Credit,  LLC. (TX)

We went into a furniture store and purchased several items. The woman at the register told us that we had a few options, the option that we chose was to pay the purchase price off within XXXX months to avoid any financing. She told us to sign this contract and as long as we paid the debt off within that time, the contract would not fall into place. We were lied to by this store, weve contacted our bank, weve called the store, they wont help us, we called Kornerstone credit, and placed a dispute with XXXX and young PC. No one will hear us, if were unable to get assistance here were going to contact a consumer complaint attorney to help us.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (VA)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC (NV)

Rapidcash/Speedy Cash has received proof of payment via email and their agents confirmed this via phone directly after emails were sent. A payment of {$910.00} was paid in full XX/XX/XXXX. Speedycash insisted the payment was retracted XX/XX/XXXX. My bank said no it wasn't. I requested proof from Speedycash of this retraction and they refused to send it. I've sent my bank statements from XX/XX/XXXX and XXXX showing {$910.00} paid in full and NO retraction happened in XXXX. The documents were complete and Speedycash agents confirmed received to 3 different emails. Speedycash lies constantly. Their corruption is constantly ongoing to their customers. I will continue to file complaints until the day I drop dead unless they show my account paid in full.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/2024 Car was repossessed and I had made a payment arrangement because the car was my only way to get to work and now I have no way to get to work I asked for an extension to come up with the past due amount
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (SC)

Received a check from an individual for {$3200.00} and received notification that funds were being held related to other bank establishment. The individual called and verified that funds had been released to Truist. Truist stated that it has to be verified but regardless of verification time they would hold my funds for XXXX business days
Consumer complaint received 2024-02-29
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Prior to submitting my dispute, I called USAA a spoke with a representative regarding my concerns with the vendor. The representative advised me to ensure I left the item with the vendor ; I did.

I submitted a dispute to my credit card for being charged for a new item, when in fact the item sold to me was used.

The credit card denied my request, I called many times to try and get an understanding of their basis for the decision ; no one would explain it. 
I requested to speak with a manager in the department making the decision and was only transferred to another representative, never a manager.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Ive never had sprint previously, Ive been on family plan through XXXX XXXX XXXX, and have recently transferred and bought and pay for my own phone through XXXX for the past year. The original Creditor ( XXXX ) has never tried to contact me nor has sent information via mail to resolve this. Jefferson capital LLC has never tried to contact me in any shape or form as well to resolve it or share the information, I found out through XXXX, I believe this is a fraudulent account.
Consumer complaint received 2024-02-29
Product: Credit 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: BARCLAYS BANK DELAWARE (AZ)

We were on a cruise to XXXX and made many purchases using this card. However, in XXXX store they offered to make us a 'deal ' on an item, offering it to us for {$100.00}. However, when checking out they said they could only charge in XXXX and charged the card XXXX  XXXX. After asking them several questions about this, they said it would be converted to {$100.00} because they offered a rate of XXXX XXXX  for {$100.00}. However, when the bill came in we were charged {$110.00} which I think was the currency conversion rate. The store had said they would convert it. So, yes we were apparently swindled but I thought the card offered a fraud policy. After contacting them they said we were charge the correct amount and without a receipt that said {$100.00}, which they did not give us, they would not refund this money. My complaint is that it was fraud and deception on the part of the store owner so this should be covered according to what they advertise : Use your card with confidence Count on Barclays ' {$0.00} Fraud Liability protection. 

With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected.

Call it " business as usual '' : Shop with confidence Use your card to make purchases anywhere in the world.

Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card.

Get resolution fast If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible.

So, rest easy knowing that we've got you covered.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. 

My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. 

When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. 

Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. 

What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! 

When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! 

What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. 

This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (WI)

My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

Jefferson Capital Systems has been reporting an erroneous account to my credit file. They are falsely accusing me of owing them {$790.00}. I have never had any account with Jefferson Capital Systems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with Jefferson Capital Systems simply because it does not exist.. This is clearly a fraudulent act on the part of Jefferson Capital Systems. Because of their ruthless and illegal practices my credit score, as well as my life, will be impacted negatively. Please resolve this immediately. Cease and desist. Remove from all CRA.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX, XXXX has reported via Experian an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/, I received a call from a person who introduced himself as XXXX XXXX. I did not know this person prior. He identified himself as an " investor and broker '' and asked me if I wanted to start investing. I stated that I would and was instructed to begin making deposits into a XXXX ATM Machine. I made my first deposit of {$250.00} on XX/XX/. On XX/XX/XXXX  for {$1000.00}. I also made wire transfers through my bank, XXXX XXXX, wire transfers. XX/XX/XXXX  for {$5000.00}, XX/XX/XXXX  for {$2200.00}, XX/XX/XXXX  for {$1100.00} and XX/XX/XXXX  for {$3000.00}. The total is {$12000.00}. XXXX XXXX stopped replying to my messages through the XXXX app on XX/XX/XXXX  until now. 

On XX/XX/XXXX, I got another call from a person who introduced himself as XXXX XXXX. He identified himself as an " investor and broker '' and asked if I wanted to start investing. I told him that he would not be able to invest because he was unable to access the money I was supposed to receive from my investment with XXXX XXXX, {$57000.00}. He told me the money was in an account with XXXXXXXX XXXX XXXX in XXXX, but to withdraw it, I would need to pay a transfer fee of {$3100.00}. He sent a document from XXXXXXXX XXXX XXXX and instructed me to make the payment via XXXX ATM. I made two transactions totaling {$2900.00}. After the transactions, I contacted XXXX XXXX XXXX  regarding the form I got from XXXX. The bank informed me it's not legit. I realized I was scammed.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1861 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s 2 ( a ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I am opting out of your reporting services. Under 26 USC 108 SEC. 2.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX to Midland Credit Management , Inc . 
Original Creditor XXXX XXXX XXXX ( in partnership with : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Outstanding balance USD XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (WA)

This company is awful to work with. They reported a XXXX day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. 

XXXX banking : XX/XX/XXXX ( XXXX ) External Withdrawal SLS Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX  ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, now.