davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MA)

This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.
Consumer complaint received 2022-09-08
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. (TX)

I've sent several letters out to XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with XXXX XXXX XXXX  was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with XXXX. After almost eight months, of informing XXXX that this account is not mine and that someone used my identity to open this account. XXXX continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Credit Karma (OH)

I got a XXXX credit card from Credit Karma. Its been tough paying for it. I found that Credit Karma didnt explain the card correctly. I owe {$600.00}, and are under XXXX payments. Please help.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-09-08
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)

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, in amount of {$7400.00} 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 2022-10-28
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX Account # 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 an account without my written instruction.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

Dear Sir or Ma'am, I am reaching out to file a complaint about PayPal. My funds are being held at {$3400.00}. I have utilized the chat options via the app on several occasions with no success. No one has responded. I called the PayPal credit card line to reach an actual person. Upon this action, I was held for over an hour, an agent finally answered only to disconnect the call after I provided the tracking information provided by the buyer. PayPal has received its fee of {$700.00} yet my funds remain on hold even after the buyer updated the shipping information via the PayPal app. My funds should not have to be held as the buyer has been in communication with PayPal reporting no issues. I have recorded phone call conversations as well as photos for documentation of all my many attempts to speak to an agent for a resolution.
Consumer complaint received 2022-09-08
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. (GA)

The following information is being reported by XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act 609/623/611. 

XXXX XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Revolving Account Type - Detail : Credit XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

The company Self Lender is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
Consumer complaint received 2022-09-08
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. (MN)

I have submitted these 3 complaints to you guys : XXXX, XXXX, & XXXX they can be referenced for more information but they have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA in addition it has been 30 days.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/XXXX Citizens bank stole {$850.00} from a newly opened checking acct. When i called and asked about it i was informed there was supposedly a debt from 2016? That they had stolen 2 weeks of pay to recoup. Well I manage my credit report through 4 diffent methods and have not ONCE, EVER seen anything from Citizens bank regarding this debt at all. I have NO clue wht it is for. Nor why i was never notified about it. It was not clarified to me why when i went in the branch to re pin my new atm card this wasnt mentioned to me. I opened the acct with no issue whatso ever. 2 weeks later without notification or due process of ANY sort. Without a chance to dispute or even to report fraud. They just stole my money. I have bills to pay. I have a near perfect credit score. I have never even HAD citizens acct in the past. Now if someone ELSE used my info to open one thats another story, but none yhe less I was never notified about it in any way shape or form. Now i have NO recourse in recovering my funds. This is not right. Its not.
Consumer complaint received 2015-04-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, XX/XX/2015 my father and I went to USBank XXXX XXXX XXXX XXXX, CA XXXX to apply for an equity loan with our Florida XXXX House as collateral if needed. My father 's XXXX house at XXXX XXXX XXXX XXXX XXXX, Florida is appraised for {$750000.00} and is paid for. We were applying for {$60000.00} for repairs we 're been doing since last XXXX. XXXX XXXX and XXXX was assisting us with collecting the information we brought with us to the bank ( w'2 's and property tax for Florida property and income statements. We were told that it takes about XXXX days for process to be completed. I received a call on the same day XXXX/XXXX/XX/XX/2015 at XXXX XXXX. from XXXX stating the loan was denied and he did n't have a reason as to why. On XXXX/XXXX/XX/XX/2015 I went back to the bank and XXXX told me that the computer denied the applicatin, and still no reason was given. We feel as if the loan was never given consideration. Unfair practices and when I call and insisted on a denial letter or reason, none was given. WE are XXXX XXXX and have combine income over {$7000.00} monthly income. We are able to repay the loan and other information was never collected or considered. I 'm requesting an immediate investigation be given against XXXX XXXX and XXXX at US Bank and the denial be overturned immediately.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (GA)

XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire scumbags who lie and teach them how to lie to the general public, Then they incentivize them to do their XXXX XXXX. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within 30 days to CREDIT MANAGEMENT LP. I am requesting your assistance in dealing with this situation.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

I recently checked my credit score, it went down XXXX points since XX/XX/XXXX. While I was reteaching what happened and why, I noticed an increase of {$10000.00}. I then visited my account information on my mortgage holders website and saw this same dollar amount. US Bank called it a " Recoverable Corporate Advance ''. I contacted them but no one could explain what this was or why but that it was mandatory. What does this mean?
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FINEX Group LLC (CA)

THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (NV)

AllianceONE claims I owe them money, I do not. I do not have any agreement or contract with this company. AllianceONE claims they are collecting for XXXX XXXX XXXX. I requested ownership of such debt, but they have not proven ownership of said debt. 

AllianceOne is not registered to transact business and/or collect in my state under statue NRS.649.075.

Proof of your authorization by law for your collection under statue NRS.649.054, NRS.649.056 , NRS.649.171 Pursuant to NRS.649.370, any violation of the FDCPA is also a violation of Nevada debt collection law .

AllianceOne failed to provide the complete and proper documentation that I have requested multiple times AS REQURIED BY LAW UNDER Fair Debt Collection Practices Act,
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

In XXXX my mom purchased land located in XXXX XXXX  she paid cash for this land and received a warranty deed for the land. later on she purchased a mobile home to put on the land in which she financed thru XXXX  XXXX  XXXX  a portion of the mobile home in the amount of XXXX she made monthly payments of {$430.00} every month from XXXX thru XX/XX/XXXX the loan was later sold to XXXX  XXXX  XXXX  company.. XX/XX/XXXX my mom passed away still owing on the mobile home. After her death I started receving bills from fay mortgage company. Fay mortgage conducted a foreclosure sale on the property in XX/XX/XXXX sold her land that had been bought and paid for. The bank claimed that they were the owners of the land versus the mobile home. '' in my opinion after 25 years and the loan was only for {$35000.00} I believe it's a mobile home had been paid for '' I do know that she took out a line of credit against the mobile home that she had been paying for monthly prior to her death after death XXXX XXXX XXXX ( company she took out a line of credit with ) forgave the debt. The company fay mortgage company conducted a foreclosure sale XX/XX/XXXX in which they purchased the property themselves. 
Faye mortgage company had the mobile home removed from the property and then sold the land separately for the {$35000.00} that they claim she owed on. I do have a copy of her warrenty ded she received on the land from when she first purchased land. I also have a copy of separate contract for the purchase of the mobile home she had financed
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Managers, Inc. (ND)

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX  ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (IL)

hello I been dealing with Chase bank over two years now, never had an issue never missed a payment i have two credit cards with them one Chase freedome unlimted with XXXX limit which is 90 % used Chase sapphire reserve with XXXX limit which is 5 % used they reduced my Chase sapphire reserve from XXXX to XXXX without any notice which caused my score dipped XXXX points in one month and caused increase in my Credit card usage tried to call the bank and asked them to solve the issue and i was ignored thank you
Consumer complaint received 2022-09-08
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should 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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

XXXX XXXX -- -Sorry, I ca n't login to continue my complaint and have to go this route. PNC Bank " stole '' maintenance fees of {$7.00} per month out of my " FREE '' checking account since XXXX 2016 according to the Rep I spoke with on the phone. They never sent me " anything '' regarding changes to our agreement -- per their response to my ongoing complaint -- -their response to my complaint was " FALSE '' in all respects, I never received " ANY '' notice of " ANY '' changes to their policies, I PERSONALLY showed up at one of their branches and gave them my current address. Their " ACTUAL '' response was to eliminate my ability to access my account information online once they found out about my complaint with the CFPB and when I called to gain access, I found that every single record of my account had been " erased '' and my account had been " closed '' without my permission. PNC Bank owes me at least {$63.00} plus any penalties you wish to assess to them for all of their other clients that are suffering through the same circumstances I am.