davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This complaint and request for correction is for your Legal Department Only. 

To Whom It XXXX Concern, I have a bankruptcy showing on my credit report. I asked the credit reporting agencies to validate the information and their claim is verified through you. Can you please confirm or deny that your office reported this bankruptcy to the credit reporting agencies? Please explain to me how youre able to willfully violate the XXXX. The FCRA prohibits furnishers from furnishing any information relating to a consumer to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681s-2 ( a ) ( 1 ) LexisNexis made XXXX clear that the Bankruptcy report contains errors, sometimes entered inaccurately, processed poorly or incorrectly, and is generally NOT free from defect. 

Chapter XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (AL)

Due to the struggling economy, I've hit a stomp in paying my loan. This company calls me two or three times a day and they call my references and from what they tell me it sounds like a harassment call. I'm wanting to file a Cease and Desist against Mariner Finance. I want them to understand that I will pay monthly payment when I can. I will not be able to pay it on the XXXX of each month and don't need them to call me on a daily basis and harass me on making a payment.
Consumer complaint received 2022-07-30
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. (MN)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which is misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts listed below will be update as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX Balance Owed : {$1700.00} ; XXXX XXXXXXXX BalanceOwed : {$3400.00}.
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MN)

I was in the process of purchasing a house for the past 2 years so I have decided not to sign a new contract with my previous landlord XXXX XXXX XXXX But instead was residing the property month to month bases and as a result was paying an extra {$200.00} for each and every month. On XX/XX/year>, I contacted to the management and advised that I would be moving out on XX/XX/year>. However, when I return the keys on XX/XX/year>, the manager indicated that I was moving out on the XXXX of XX/XX/year>. Therefore, you would have to pay the XX/XX/year> rent. Even though I notified her on 3 different occasions. I've enclosed/attached the letter dated XX/XX/year> that I sent to both the collection agent and XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ava Finance, Inc (TX)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, 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. (MD)

On or around XX/XX/XXXX, I received and Equifax report and notice they are inaccurately reporting XXXX an current open line a credit with excellent payment history as account in dispute. I have never contacted Equifax or XXXX and disputed my XXXX line of credit. In addition, EquifaxXXXX refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXEquifax accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Consumer complaint received 2022-09-11
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)

My name is XXXX 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 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have a business banking account at Chase for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX Although, I followed all regulations when establishing the account, the bank sent me a letter in XX/XX/2022 asking for copies of documents. I went to the bank in person on XX/XX/2022 and supplies all copies of articles of incorporation, IDs etc. 

Yet Chase froze my account on XX/XX/XXXX and XXXX, causing disruption to my business. Several insurance companies and XXXX suspending me from their electronic payment system. My long term care insurance premium which is set up on automatic pay .... was rejected. 

Although, my account is now unfrozen, Chase refused to take any responsibility for the harm done to my solo medical practice. As a XXXX, female business owner, I shudder to think if this is how I was treated ... how many other XXXX owned business are suffering. 

Multiple phone calls to Chase representative XXXX at XXXX ext XXXX have not been returned.
Consumer complaint received 2022-09-11
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)

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 2024-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I'm filing a complaint today as a result of getting a PNC letter denying my disputes totaling {$1000.00}. I've attached the BBB complaint showing the nature of the episode plus documentation I showed PNC employees and the BBB itself. I waited to file a BBB complaint because I figured my bank would correct this for me, but they did not. It is evident these denied dispute decisions are the result of having a poor credit rating. Additionally, it seems that the bank folks are submitting these complaints incorrectly as their website no longer offers the prompts available to do it autonomously. As a result, I am getting denied dispute letters with explanations that do not accurately apply to the dispute itself.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PDQ Services, Inc. (PA)

It has come to my attention that the credit collection company doing business as PDQ Services Inc located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX is in violation of my State of Pennsylvania Licensing Requirements for collection agency activity and is hereby breaking the law that protects my rights as a consumer. 

They have furnished a debt to XXXX and XXXX credit bureaus in the amount of {$18000.00} in which they claim I owe to PDQ Services. They mailed me a letter to my address requesting payment. I mailed a certified letter XX/XX/2022, to their address listed on my report which shows as PDQ Services Inc XXXX XXXX Ct XXXX XXXX XXXX GA XXXX requesting validation of this debt along with proper legal documentation showing that I am responsible for this debt they claim I owe. 
To date they have refused the accept the certified letter with signature verification for delivery. I contacted the post office and they stated it would be up to the partys discretion as to whether or not they wanted to sign for the letter, otherwise the letter would be returned to me. PDQ appears to be avoiding proper compliance by refusing to sign for my certified letter.

After further research of this company, I have proof they are in violation of Pennsylvania law and my rights as a Pennsylvania resident. The State of Pennsylvania law requires that in order for a collection agency to contact PA residents seeking collection of a debt they must first be bonded in the amount of at least {$5000.00}, have a background check and be licensed, none of which they have. I will attach these requirements to this complaint as well. 

Because they are breaking the law and violating my rights I'm requested the following resolution below.
Consumer complaint received 2020-08-11
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. (OH)

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance.

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-28
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. (GA)

I sent a letter on XX/XX/XXXX to remove the inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including this again. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (OH)

In stopping by PNC branch a few weeks ago to drop off a check, the person asked if we 'd like to obtain a lower rate on our credit cards. She said there were 0 % rates ( for intro periods ) for new accounts but also lower rates than we currently had which was 16.99 %. I did not have time to pursue this option at the time, but on XXXX/XXXX/2017, I called the number on the back of the credit card to learn more about lowering the rate or to go with another credit card lender who is offering 7.9 % variable rate with 12 months 0 % intro. The lady said she could not just lower the rate on a credit card account ( which has been done for me in the past when I 've called ). She said she could open a new card if I wanted to apply and get me another credit card, which I said I would rather just have my rate lowered because I do n't need a second card. After being transferred to three people over the span of 20 minutes, I finally was put through to a " manager '' who stated that " there are no other lower rates available '', which is a direct UDAAP violation because other people have lower rates than I do at PNC and how could she make a credit decision/pricing decision without doing any due diligence. She said she asked a co-worker who told her that all credit card rates are reviewed quarterly and if lower rates are available, PNC will automatically lower consumer 's rates. I find this hard to believe that PNC review 's rates every quarter and will lower existing credit card rates for all consumers and do not believe this is being done as I was led to believe. In the end, I was on the phone for over 20 minutes, spoke to 3 different people, was told lower rates ( 16.99 % ) are not available, told that PNC automatically reviews all credit card accounts quarterly and will give lower rates if people qualify ( which I believe is a lie ) and also refused to lower the rate on my existing account. I have worked with many banks in the past and I have always been able to negotiate a lower rate. In certain circumstances, I 've been told no and that is ok. But to directly lie to me and say no lower rates exist for PNC credit cards other than 16.99 % is a lie and to lead me to believe that quarterly PNC reviews everybody for lower rates, I believe is also a lie. I believe that someone needs to hold PNC accountable for pretending that they can not lower the rate on an existing credit card because 16.99 % is the lowest rate they offer and also to try and defer my concern by pretending that all cards are reviewed for better rates 4 times a year! My FICO score is over XXXX and my DR is well under any income threshold. This is a case where PNC is simply trying to lie to consumer 's to protect its own bottom dollar. Funny, the nice lady in the branch was advertising products that the credit card telephone persons do not know about?
Consumer complaint received 2022-07-28
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. (LA)

I have been submitting disput letters to the Credit Bureaus that about the fraudulent information on my Credit report and that they must remove the disputed accounst in accordance with the FCRA section 605b. I am appalled by the capacity of the Credit Bureaus to keep ignoring a consumer 's written requests for the removal if the accounts and iformation resulting from the identity theft. Once again, I was a victim of identity theft and that the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits from the theft of my identity. I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX