davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MO)

PNC has violated my consumer rights. PNC has violated the FDIC. PNC has charged my account overdraft fees for transactions that have not posted and has stated that transactions have posted before and after deposits have been made. PNC has refused to reverse the charges. 

PNC is violating multiple federal laws by even charging " overdraft fees '' and ATM fees. 

I am prepared to forward this complaint to the Missouri Attorney General. 

I have already placed a complaint with the FTC under ID # XXXX for fraud.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-27
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-22
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. (FL)

Accounts are reporting on my credit reports that are incorrect XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (MS)

On XX/XX/19, RPM responded to a complaint of a collection on my report. RPM claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. 

Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which RPM offered to provide upon receipt from XXXX XXXX XXXX. RPM clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The issue is with the {$200.00} vacation rental credit promised with the Venture XXXX credit card for those that applied in late XXXX. ( IT IS NOT RELATED TO THE {$300.00} XXXX XXXX XXXX  ). I applied for, received and paid a massive fee for the Venture XXXX credit card. As clearly stated in multiple advertising methods by Capital One, a benefit of the card is a {$200.00} vacation rental credit in the first year. I booked an XXXX stay that ( based on their rules ) qualifies for this credit on XXXX. XXXX. I have not received this credit. I have contacted Capital One six times to correct this error, every time receiving confirmation that I have earned the credit and it will be posted at various different times. Despite every time being given a date it will post by, Capital One has failed to deliver the promised credit every single time. I have spent countless hours trying to get them to adhere to their own commitment, even reaching out via XXXX and to a senior executive. I am astounded at the utter lack of interest in delivering ON THEIR OWN OFFER after charging a massive fee and for their utter distain for me as a customer. I would strongly encourage the AG to investigate Capital One for false advertising and failure to deliver on a contract. If I am experiencing this, it is highly likely they are doing it to many other people as well.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the XXXX  and Equifax, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a XXXX XXXX mother and refused a home.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (LA)

Of the year between XXXX, my wife and I took out a personal loan with Republic Finance LLC . My wife became deceased in XX/XX/XXXX and I and my daughters were making payments to Republic Finance then I had a XXXX in XX/XX/XXXX and was not working, but my daughters were still making payments. I received a letter XX/XX/XXXX mark dated XX/XX/XXXX, from XXXX, XXXX & XXXX XXXX stating there was a judgment placed on XX/XX/XXXX, in favor of Republic Finance L.L.C. I was not even aware of a court date due to having XXXX XXXX XXXX in XX/XX/XXXX and never received a notice to appear for said court date. On XX/XX/XXXX, I reached out to XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. requesting the report of the delivery notice to appear for the court date and the contract between the firm and Republic as I do not give consent for my information to be transferred to a third party. They have not responded even though stating I only had 5 days to respond while taking two of those days for mailing. I also contacted the XXXX XXXX branch of Republic Finance on XXXX XXXX XXXX request that I receive my loan agreement and initial was told that a manager would have to be reached or I would have to get it from the attorney, which I requested to speak to the manager because my loan agreement should be delivered upon request as it contains my name and my social security number. I was finally told I can pick on my agreement on XX/XX/XXXX.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. XXXX of the alerts expired in XXXX of XXXX and XXXX expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called Transunion this morning because I received an email from XXXX of my creditors that Transunion mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called Transunion and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how Transunion and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. Transunion also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act Convergent Account XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions Date opened : XX/XX/2005
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

Hi, I was given 2 gift cards from XXXX Visa for a total of {$750.00} Ok & as soon as I tried to use it the money was gone. Whats most concerning is the amount of exact same issues are HUGE!! Claims of fraud all over the internet. I called them several times and they just said I had to dispute it with the companies where the fraudulent activity occurred. That is ridiculous because the company is not going to just give me money because I say I was robbed.

I contacted them I contacted Visa and I contacted the issuing bank and nobody could help me.

This is crazy that somebody can take my money and nobody will help me. Whats even crazier is how many people they have done this too. Somebody is making a lot of money. I am concerned that this is happening from the company and they are making a ton of money of stealing from people. Please help me or please tell me who can help me. I hope that somebody can help me but most of all I hope somebody investigate this company.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit  report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2022-07-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lendmark Financial Services (VA)

On XX/XX/2022, I XXXX XXXX sent Lendmark Financial Services LLC a billing error dispute pursuant to 12 CFR section 1026.13 ( b ), correction of billing errors pursuant to 15 U.S.C. 1666, and claim for credit balance pursuant to 12 CFR 1026.21, in the amount of {$6600.00} The correspondence I received back from XXXX XXXX, Associate Legal Counsel for Lendmark Financial Services LLC, had nothing to do with the information that I had requested. I requested documentary evidence of the original instrument of indebtedness, evidence that Lendmark Financial Services LLC owns the debt. I requested the license to collect a debt in the state of Virginia, I asked for evidence that the balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Principles ( GAAP ) an/ or the International Financial Reporting Standards ( IFRS ) were applicable.Provide me with evidence that Lendmark Finacial Services are not creditors who have extended me my own consumer credit via the credit balance you have extended. And that you are indeed a debt collector who is collecting a balance due to the United States Dollars. And last but not least provide evidence that the amount which stated what is owed is not an obligation of the United States pursuant to 18 USC.section 8. All of my requests are noted in this communication. Also I need XXXX XXXX 's XXXX XXXX XXXX number to make sure she is not in violation of fraudulent misrepresentation of a government official.
Consumer complaint received 2023-07-01
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-22
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. (VA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2024-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (FL)

The collection agency did not notify me about the debt and refused to provide any information regarding the account during our phone call today. I have disputed the debt multiple times and requested verification. Additionally, I filed an ID theft complaint with the FTC and the local XXXX, and I received a police report. 

The collection agency seems to play games with consumers by ignoring my requests. The original creditor, AAFES, is also a collection agency under the XXXX XXXX XXXX They have resorted to retaliatory actions against me as a consumer. 

Just last week, I made a purchase at AAFES on the XXXX XXXX XXXX XXXX using my personal credit card. The following day, when I attempted to return the item, I was informed that my ability to make returns had been blocked by AAFES due to issues related to checks. However, I have never written a check to AAFES in the past.