davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

This is my fourth complaint regarding the issue with PNC Bank. Complaints : XXXX, XXXX, XXXX My complaints have not be resolved by PNC. I have requested refund of fees assessed ( as of XX/XX/21 ) XXXX representments of transactions and XXXX {$30.00} fees by XXXX for the transactions. I will be filing a separate complaint against XXXX. 
I am willing to pay the fees I legitimately owe. I refuse to pay fees for representments of the same transactions over and over. This is an abusive, if not illegal, process used by financial institutions to generate fees. 
The normal presentment of returned items is an automatic XXXX  times. Continuing to represent the same items and charging each time is excessive and abusive against the consumer. 
At what point does it stop. Part of the problem is PNC is allowing representments over and over and assessing fees. This is an automatic process, however, when it is brought to attention, PNC refuses to take responsibility and refund the fees. 
I have also filed a complaint with Office of the Comptroller of the Currency and Attorney General of PA. 
I also believe these practices could result in a Class Action Suit for consumers experiencing the same abuse by financial institutions.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX bureaus ] 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 ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED IT REMOVE ASAP & THERES A HARD INQUIRY OF THIS COMP PLEASE ALSO REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capitol Services L.P. is attempting to collect on an alleged debt on behalf of LVNV Funding LLC. LVNV Funding is reporting a charge off on my consumer report for the amount of {$630.00}. 

As defined by the IRS, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income AND File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more. 
They are also supposed to provide me with a copy of the 1099c form showing that the debt was charged off so I would be able to report the income on my taxes but I never received a 1099c from the alleged Original Creditor XXXX XXXX XXXX, Resurgent Capitol Services L.P or LVNV Funding .... 

The IRS also clearly states that a canceled debt or charge off is income, which is considered " ordinary income '' but is being reported as debt on my consumer report which is inaccurate and illegal. Pursuant to 15 USC 1681 s-2 states that Resurgent Capitol Services L.P. is a furnisher of information to a consumer reporting agency. and is prohibited by law to furnish inaccurate information. 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 the information is inaccurate. 

I demanded this information to be deleted from my consumer report but they are still reporting this without proof of my 1099c form.. From my understanding LVNV Funding LLC , Resurgent Capitol Services and XXXX XXXX XXXX are all under violation of the FDCPA and IRS.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please refer to COMPLAINT ID XXXX and reopen it. 

This should be reopened, it is unclear why the CFPB did not conduct a thorough review of the Bank of America making excuses for stealing from me. The bank misrepresented its features and costs, then withdrew money from my account without my consent or agreement, and it has not made a representative available who was present nor followed my request for easy resolution. 

Thank you.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (OK)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax, XXXX.has continue to keep inaccurate information on credit report. Damaging my character. I will move forward to report Equifax, XXXX XXXX XXXX to ATTORNEY GENERAL 'S OFFICE.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Centralized Business Solutions Company (OH)

I have my call log list as proof which unfortunately only dates back to XXXX of 2020 but for the last year i have been getting at least 2 or 3 calls from this number EVERY SINGLE DAY. They leave me repeated voice mails and non stop call during whatever hours they want. I have tried speaking with someone about not contacting me anymore but they insist i start paying money to them for medical bills from 5 or so years ago while I was going through a lot of health issues i obviously could not afford to have. Like I said I have call logs as proof and I have tried blocking this number but my phone will still alert me every time they call. I am honestly so tried of it at this point, it is non stop and I have tried everything I can to make the calls stop. It is definitely starting to feel like harassment.
Consumer complaint received 2021-03-31
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 submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. XXXX and Equifax report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.
Consumer complaint received 2020-09-14
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 2022-10-17
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: I.C. System, Inc. (TX)

On XX/XX/2022 I 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 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 XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, originated a loan in XXXX with me when they were not licensed under California Financing Law to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, XXXX inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a XXXX supervisor, the lates of XXXX were to be removed. I've attempted to resolve with XXXX and Experian to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I wrote Convergent Outsourcing who are associated with XXXX regards to an a account in collections on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for a debt Validation. On all 4 attempts they refused me of a debt Validation and Verified the debt. Debt validation and verification of debt are two different requests. As a consumer I am entitled to a validation. In all for of my letters I specify that I want a validation and not a verification. I wrote it in English words. Also they are reporting on my credit profile that day opened for the debt was XX/XX/XXXX which is not true account was opened XX/XX/XXXX of XXXX. The day opened should not go off when Convergent received the debt, date opened should go off when the actual debt was opened. That is called Re-Aging the debt. As a consumer I am entitled to validation which was not given by Convergent Outsourcing or XXXX on 4 different occasions. As a consumer I am entitled to factual & truthful information to report on my credit profile according to FCRA. The 45day day mark has come & gone for the company to validate the debt. Its XX/XX/XXXX and the company has yet to validate the debt since I first wrote them on XX/XX/XXXX. I have all the paper work Ive sent them and all the paper work they sent to me and the 2times they responded they responded with debt verification which is not a validation.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

1. Starting about XX/XX/XXXX Rushmore has commenced to calculate interest payment portion amount at a non daily siple imnterest loan ( XXXX ) contrary to Note Agreement. I have contacted servicer about this & they claim there using the amortization schedule instead to their advantage. This is their attempt to slow me down & continue to collect higher interest amounts. 
2. This mortgage is paid thru current next payment due date XX/XX/XXXX. 
3. Im attaching a letter from servicer stating the above as well a payment history showing starting XX/XX/XXXX how they are calculating interest at a NON daily simple interest ( XXXX ) method that is contrary to the Original Note Agreement dated XX/XX/XXXX.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NC)

There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received an EIDL loan in XXXX for {$8000.00} to my personal checking account that was approved to me as an XXXX XXXX XXXX XXXX. At the end of XX/XX/2020 Capital One restri cted withdrawals and on XX/XX/2020 withdrew the entirety of my account of {$4800.00}. Numerous phone calls to capital one have not resolved my complaint nor justified their actions based on s uspicions of fraud. Capital One told me they sent the funds back to the SBA to which SBA do no t have any receipt or record of. Numerous attempts to call capital one to tell me where the funds have gone are unresolved. Please help mediate and find where capital one did with my money.
Consumer complaint received 2021-02-12
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: Experian Information Solutions Inc. (MD)

I contacted Experian today XX/XX/XXXX and was transferred 4 times. After the 4th time XXXX from Special Services  transferee me XXXX Integrity Team whom I explained I kept being transferred. I asked why they are repairing fraudulent inquiries on my credit report not made by me she told contact the company. I have therefore it states if there is suspected fraud contact Experian. They have been no help. This credit reporting agency is the most hardest unprofessional unlawful biding company. She continued to go back and forth with me and put me on hold 1hr and 15 minutes and hanging up. Also today I find out right after this my score drops 43 points because I paid off a trade line? What the heck? I suspect fraud! 
On top of this they are reporting inaccuracies still after letters and FTC copying on letters. They reported my trade line that was paid off in full on time by lender was late as well? XXXX was playing games on the phone not helping my fraudulent activity on my account she claimed to file a police report - the law doesnt require a police report on inaccuracies. Also they website states if theres unknown charges or inquires to contact them as I did! XXXX
Consumer complaint received 2022-05-04
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. (CA)

in accordance with the fair credit reporting act US BANKRUPTCY COURT XXXX XXXX ACCOUNT # XXXX & ACCOUNT # XXXX, have 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 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (FL)

Bull City Financial claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both Bull City, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called Bull City to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as Bull City is paying them to post this bogus account on my credit reports and they ignore everything I provide.