davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (MO)

Hi, I recently took an Auto loan from a bank. 

For few months everything was fine and my credit score was excellent. 

This month it went down by 115 points, I spoke to credit company and they said my account is reported as credit not a loan. 

This increased my credit usage for no reason. 

Since its the bank problem I called their credit department to rectify their error but it was very unprofessional. They asked me to go through very lengthy process to fix their mistake now. 

My credit will show bad until I write them letter and they receive take action etc.. I needed to apply a mortgage soon. 

This very bad handling of customer image when bank is at mistake. Why should customer suffer for the bank error.
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

ProCollect, PCI, is a collection company based in XXXX. I have been receiving phone calls from this company every week starting XXXX XXXX. The company would call and its an automated message. The automated message is set up for you to return the call. I honestly thought it was a scam. So, I rejected 98 % of the phone calls. On XX/XX/22, I received a phone call by an individual. On the XXXX, I called the phone number the individual called me from and entered the extension. On the phone call He informed me of the {$110.00} debt owed to my previous complex, XXXX XXXX formerly known as XXXX  at XXXX XXXX XXXX, for utilities. I hadn't received any information by mail by PCI or the complex. So, the individual informed me that he would be sending my invoice in the mail. So, I would have until the 9th to dispute the charges. Furthermore, I asked the individual if he could email me the invoice and he said that he was unable to email due to laws or something. I contacted XXXX XXXXt, on the XXXX and on the XXXX. On the XXXX, I emailed PCI and the complex with my proof. My proof is a check, I rarely write checks, cashed and I wrote on the check my last rent payment on the check. For years, I have done this when leaving a complex to indicate that I have spoken the manager on site and discussed my final bill including utilities. Before I sent the email, I tried to speak to a PCI supervisor on the phone because neither the individual or representative on any phone call could give me any information further and unwilling to send me to a supervisor. Then the representative informed me that since I hadn't received the letter yet, I had until the XXXX of XXXX. The last phone conversation I had with the company was at XXXX to inform me that a photocopy check with the words Last rent payment will not suffice. I told her on the phone to stop calling me and i'm not paying the debt and you can take me to court. 
I still hadn't received any email or phone call from XXXX XXXX on my email about the debt should be cleared. 
Today is XXXX XXXX and to date I still haven't received any information about this supposed debt.
Consumer complaint received 2022-10-07
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. (VA)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (WI)

I discovered that my credit report had collection accounts as a result of identity theft. I have made several attempts to correct this issue with each collection agency. I have tried con tacting XXXX XXXX XXXX, AFNI, XXXX XXXX, and others about the illegal accounts but they ignored me. I made the attempt on XX/XX/2022.
Consumer complaint received 2022-11-28
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. (NC)

XXXX is breaking the law again! XXXX is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

XXXX is maliciously coding my account! Delete!
Consumer complaint received 2021-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-05
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. (PA)

XXXX XXXX Full XXXX XXXX XXXX XXXX Pa Social security Number : XXXX Date of Birth : XX/XX/XXXX This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL , subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Equifax : XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Consumer complaint received 2021-02-11
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. (TX)

XXXX  is incorrectly reporting account XXXX  XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

XXXX  needs to promptly return reporting and status to CURRENT/ Never Late. 

I am attaching all email correspondence from XXXX XXXX XXXX Bank from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (UT)

on XX/XX/XXXX a charge was authorized for what was supposed to be shipping costs for $ XXXX.to XXXX XXXX VA On XX/XX/XXXX I found that an additional charge for XXXX had been made by XXXX XXXX XXXX XXXX I called them and they said it was a non refundable sweepstakes entry - never authorized. While I was on the phone with them a company called XXXX XXXX OR hit the account for XXXX. I immediately called ASPIRE and they cancelled the card and issued a new card. 
I also filed FTC complaint # XXXX. My XXXX statement had {$220.00} charges removed. But on my XXXX statement all 3 charges were back. I contacted Aspire on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first 3 messages came back with the fraud division will contact you soon - but no contact. The 4th message gave me a phone number for the fraud division. Which claimed that I was notified on XX/XX/XXXX that they didn't accept my fraud claim- with no investigation that involved me, I. was not notified.. An hour and a half after I got the fraud phone number my account was cancelled The {$220.00} was taken by fraud and facilitated by the credit card company. I want my money back.
Consumer complaint received 2020-03-25
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. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-05
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: Porania, LLC (NJ)

i got this accountwhich does not belong to me and i need it to be removed from my credit in the XXXX credit reporting agencies. 
. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2022-07-29
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. (AZ)

My Personal information was compromised and Im now seeing a CLOSED account from XXXX XXXX that was applied for fraudulently on XX/XX/2022 reporting on my credit report I have not applied for anything and this is not my account. 

I have file a police report with the XXXX police department and have filed a report in reference to this account XXXX XXXXXXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

In regards to Case # XXXX. I found a email I received from XXXX that proves that they criminally used my credit card without my authorization. 

Date Sent : XX/XX/2021 XXXX PM Dear XXXX XXXX, We got your rejection. 
Regarding XXXXXXXX XXXX XXXX, we only charged your per day car rental and tax as part of the package, with no XXXX XXXX for all components. Please note that XXXX XXXX XXXX is a must-have in renting a vehicle. We offered you Trip Protection or XXXX XXXX during booking, and our record shows that you declined. 

At the airport I was told if I have car insurance on my vehicle at home, I do not need to buy insurance for this rental and I denied it again. 

Barclays purposely let this matter go beyond 90 days so that I could not recover {$270.00} fraudelent charge by XXXX. If you search on internet for reviews complaints against XXXX, they have XXXX with most of them unresolved as of today.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint involves an estate " hold '' on an account. In brief, and without notification, the checking account was put " on hold '' and without any notification. The account has still been open to pay for expenses post mortem. 
The first call to BofA was XX/XX/2022 about the " Hold ''. I was given poor instructions then as to my required actions. A second call was placed XX/XX/2022 to be given better details. I was told I needed to go to Probate Court. I explained that I am the Executor and had been handling my parent 's affairs, and indeed in the Private Banking BofA, most of the required information had already been submitted. 
XX/XX/2022 finally reached a person who helped me set up a Third Party Case manager website and actually given a case number. I went to the website while talking to XXXX and we filled out all the required paperwork. The website has a final signature page that is required in the " Letter if Instruction. '' ( This part of the website is STILL not working as of today ) I was given a message that says " Unable to complete your request. '' Thinking the site might be overloaded, I tried repeatedly that day, the following day and then the next week. Always getting the same message. 
I again called XX/XX/2022 and was told that the site is not working. I was instructed to print out this page and submit it in the area of the case management site. I did so. A week later, I tried again and the paperwork I filed was not found. I was then told to FAX this set of information. ( Previous attachments submitted on this online site for the Death Certificate and other required paperwork were found to be in place. ) XX/XX/2022 I spoke again to a Third Party Manager. She told me all paperwork was complete. That is would be 8 business days to review and then a transfer of funds would occur in 2 additional days. 
Yesterday, XX/XX/2022 I received a letter with a set of instructions that was redundant in regards to all the paperwork I had submitted. It again required me to get notarizations etc. etc. I spoke with a representative today. The site is still not able to accept a signature page for a letter of instruction. The representative told me that the file shows that I have still not submitted the letter of instruction. I have now been instructed to go to a BofA bank. I was not able to get an appointment until next week at any of the local sites. I will be driving a half hour today to submit this paperwork again. I have been told that today 's BofA rep will be following and " escalating '' the process. 
This has been an entirely frustrating and disappointing experience. ESPECIALLY since they handled my parent 's private banking and other services for decades.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Continue to dispute with Equifax regarding removal of XXXX  XXXX bankruptcy that was dismissed and never took place. Equifax stated they verified with a third party XXXX XXXX however can not provide that date.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

This is regarding a hard inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I contacted XXXX XXXX  but not getting any response. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Consumer complaint received 2022-04-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

PHH Mortgage is refusing to speak to heirs of estate that are listed on title. Note holder died in 2013 and PHH has consistently refused to speak to heirs of the estate specifically note holders wife who is listed on title on signed the original mortgage against the property. After multiple phone calls company is still denying the right to speak about the account stating that the heirs are not authorized to speak on behalf of the deceased. We spoke to the attorney who is representing PHH Mortgage in Hawaii suing the estate and attempting to foreclose on the property but that communication has also resulting in no progress of preventing the foreclosure from proceeding against the property. I've ask the PHH representatives to explain what regulation X states and how as heirs of the estate we are not allowed to speak about the mortgage because we are not the deceased who signed the original note.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.