davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (GA)

I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/XXXX, I signed up for the XXXX Amex Surpass Credit Card. They agreed to give me XXXX XXXX points if I spent {$3000.00} in the first three months. I hit the {$3000.00} spend amount on XX/XX/XXXX. I called Amex in XXXX, and they said the XXXX points would show in my account 8 weeks after I hit my spend ( on XX/XX/XXXX ). They confirmed that I had hit the {$3000.00} spend. 

I called AMEX on XX/XX/XXXX, because the XXXX points had still not hit my account. They said they were escalating my case and that someone would contact me in 48 hours ( no one ever called ). They also said the points would hit for sure by XX/XX/XXXX, and that they would give me XXXX points for my trouble ( the XXXX points never showed up ). 

On XX/XX/XXXX, the XXXX points and the XXXX bonus points had still not arrived. I called AMEX again today, and they said they were escalating my case to the supervisor. They confirmed that I would get my points, but offered me no timeline. They said that numerous people are having the same issue. 

Any help you could offer would be greatly appreciated. I 'm losing confidence in their ability to follow through. Every time I call I get promised something ( e.g., we 'll contact you in 48 hours, you 'll get your XXXX points for your trouble, you 'll get your XXXX points by XX/XX/XXXX ), and they have never followed through on their promise.
Consumer complaint received 2023-03-11
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. (FL)

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, & XXXX written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A
) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.
Consumer complaint received 2018-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

6 years ago unfortunately went to bankruptcy chapter XXXX i did include my property on this process we came to an agreement to the loan company and court house at that time was XXXX XXXX XXXX that my property secure value was XXXX and it was the amount bank requires in order to void the lien of my property this amount was requested by the court house and executed by XXXX XXXX XXXX appraisal, i spend since XX/XX/XXXX making payment to satisfied the requested amount, my chapter XXXX bankrupt was successfully completed XX/XX/XXXX it was fully administered by my trustee and the case was close successfully i did call the bank in order to ask for my release of mortgage letter but was impossible to receive an answer after many calls and a lot of waiting time the the only answer was getting is " we will research '' after few months with no communication with the bank i was surprise that the loan company transfers all rights to specialized loan servicing llc another different company, i did call this new company to request my release of mortgage letter, but still give me the same answer, threatening me to send my house to foreclosure i did forward my court documents but seems no effect of them
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (SC)

Diversified Consultants This account showed up and I had proved to them I had already paid the account. It is still listed on XXXX as paid in Full, was a Collection. It never was a collection. It has been paid in full.

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Consumer complaint received 2018-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I have disputed multiple inaccuracies on my report I would like them to be removed immediately Account XXXX Account XXXX And also multiple payments being reported late which I have never been late on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 
Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (TX)

My wife received a call from Ascension Point of XXXX XXXX, MN. My wife was told by a XXXX XXXX that they were attempting to collect a debit of my mother who has just passed. My wife took the contact information for Ms. XXXX ( phone : XXXX ext : XXXX ) and explained she would pass the information on to me. We live out of the state my mother lived in and her estate has not yet gone through probate, the route I believe the claim should be made.
Consumer complaint received 2018-08-07
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: AFNI INC. (FL)

Collection Account for XXXX XXXX XXXX XXXX Afni Acct XXXX {$280.00} I have tried very hard to be reasonable and understanding of this issue. I disputed the validity of this debt after numerous calls stating I owed money. I explained that I was not aware of account and after 3 requests, you provided me with details stating it was a cell phone account with XXXX XXXX XXXX. I explained this was not established by me and even went as far as to provide you with a copy of a police report. 
Notwithstanding, the calls continued. Against the advice of my attorney, I denied your settlement offer and instead PAID THIS IN FULL. This is affecting my credit and my ability to purchase a new home. So being that I am in between a rock and a hard place, I chose to pay you to show that I want to work through this were we both come out better. The funds were paid via your website ( conf # XXXX ) via debit card. 
Now I simply ask that you remove this collection from my file. This was fraud. Under FCRA guidelines, it constitutes as a file for deletion. I was victimized -- you came out 100 % in this. The least you could do is remove this from my credit reports. Please communicate with me via mail at the address above
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

On Thursday, XX/XX/XXXX, my husband and I were out on a date night around XXXX XXXX  where I pulled up my account and saw I had about 60 dollars in there. Then at XXXXnight, my direct deposit from work came through. The next morning I woke up to find two seperate overdraft fees for two withdrawals that had apparently come through between XXXX and XXXXnight. While I understand what an overdraft fee is and take responsibility for the fact that I had not realized a check I had written would be coming through, I find it completely unfair and sickening that these transactions would be posted at XXXX at night, just minutes before my pay check was deposited, and cause me to have XXXX dollars in overdraft fees. In addition, I find it completely suspicious that the transaction with the higher amount, which was a check for XXXX dollars, was posted first followed by a smaller transaction for only XXXX dollars that would not have caused an overdraft fee because I had 60 dollars in my account. If PNC would have refunds even just the one fee, I would have been okay with it. Instead they were rude and condescending and refused to budge on the fees, even after I broke down in tears telling them I couldnt afford to buy groceries this week now. We have been customers of PNC for 15+ years ... its just sickening that they are so okay with losing us as customers that they will let us go for XXXX dollars. The other thing that is completely upsetting is that last summer, we had around 20,000 dollars in our account, and we were getting frequent calls from PNC offering us all sorts of incentives and asking if there was anything they could do for us. Sad that while we are going through a difficult time financially, we get punished and ignored. I am cancelling my account but just felt compelled to file a complaint because Ive been sick to my stomach after speaking with customer service earlier today.
Consumer complaint received 2018-08-07
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: LEXISNEXIS (NC)

I Want LexisNexis renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX XXXX and XXXX XXXX Credit Bureaus
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is to inform that credit card company XXXX XXXX XXXX reported 30-day late payment to credit bureau companies such as XXXX and Trans Union. I was in job movement from XXXX to XXXX and I forgot to pay small amount of {$40.00} or less on my credit card. I not only paid my dues but also a modest penaly of $ XXXX-XXXX. I do n't understand why XXXX is defaming me in my credit bureau reports since I have paid them penalty for late payment so they have no right to defame me or report bad for me. They can not penalise me monetary as well as social embarrassment.
Consumer complaint received 2017-09-17
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)

The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OR)

The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc (FL)

On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX  via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.