davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (TX)

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

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the employment data below be removed because XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Employer Code XXXX Employer Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these employment data.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have had a loan out with this company for a number of years. 
Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. 
Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!!
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. 
In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. 
See attached letter for more details.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

On XXXX XXXX, XXXX we received a discharge on our Chapter XXXX. Shortly after, we got a modification on our first mortgage with XXXX. XXXX was unable to find the paperwork on the HELO loan. This resulted in XXXX filing a foreclosure. On or about XXXX XXXX, XXXX, Chapter XXXX was filed. It was agreed that {$500.00} per month would be paid to XXXX until the back interest was paid. 

On XXXX XXXX, XXXX, XXXX transferred the servicing of the XXXX Mortgage to Seterus. At the time of the transfer, the XXXX Mortgage was current. The following has become an issue:XXXX Seterus claims that the XXXX Mortgage is in default. 
XXXX. Seterus applied to the court to get the payments for the HELO transferred to themXXXX. Seterus will not give statements showing any credits to the account for the regular payments made by me and the payments they fraudulently received from the trustee. 
XXXX. Seterus did not respond to the " Notice of Error/Information Request/QWR '' thus violating itXXXX. The Chapter XXXX payments have been redirected back to XXXX but Seterus has not returned the payments collected back to XXXX. 

A letter Notice of Error/Information Request/QWR ( See Attached ) letter was sent to XXXX and Seterus to address these issues. While XXXX has been diligent in trying to rectify the issues, Seterus has all but ignored them. The only response from Seterus was that the claim is valid. I never asked for confirmation of the claim. I will attach a copy of the QWR. It is my contention that Seterus is acting in a manner to force the loan into default.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (NJ)

On XXXX XXXX 2016 I had a call from PNC bank that someone has been using my card in XXXX. I blocked the card, requested a new XXXX, etc. Since then approximately once or twice a month I get charges from XXXX and XXXX which I do n't and never have an account with. On XXXX XXXX 2016 I called PNC customer service and the person I spoke to assured me she put a stop payment on XXXX. Shortly after that I was charged by XXXX again. Since the first occurence in XXXX 2016 I had to change my card numerous times, waiting a week to get a new XXXX every time. I had to change my direct debits and file about XXXX disputes!! 

I request a full inquiry into the matter with a written report on how these XXXX companies got my private information and continue to charge me every time I get a new card! I would also like to know what was done to stop this from happening. I would like to know on what grounds my dispute had been denied and I would like all the money I was ever charged by XXXX and XXXX back ( noone is going to give back the time I wasted dealing with all this mess! ).
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

XXXX Equifax 1. The Account was Open from XX/XX/2015 to XX/XX/2015, or 3 months. 
2. Moths review shows 12 months 3. There is 12 months of incomplete and unreported Pay History on this account 4. Please verify the Open Date, Closed Date, Months Reviewed, and Payment History XXXX. 5. Either resolve the data issues on this Tradeline, or DELETE the account. 
Equifax , please do not simply delete the Pay History as doing so orphans the record, confirms its incomplete state and destroys my scores. 
Please share an updated, printed report as I do NOT agree to any electronic repors or responses other than through this portal.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

PNC Loan # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

The homeowners started the short sale process with PNC XX/XX/XXXX - FOUR YEARS AGO. Since the then PNC has inundated the homeowner with multiple requests for the same documents. PNC then allows only a short window of time to return the documents, after which they close out the file, and force the homeowner to start over with completely new and different forms. 

The homeowner has left voicemails for XXXX XXXX ' - her SPOC ( Single Point of Contact ) - at PNC multiple times. XXXX has not once ever returned a phone call. 

We have faxed a Payoff Demand to PNC on XXXX/XXXX/XXXX. We have not received any kind of response whatsoever. We have also faxed a complete short sale package to PNC. They have also not responded to this package. Essentially we have received the same treatment from PNC that the borrower received. 

In fact, the borrower had to get an attorney involved just to get PNC to respond in any way whatsoever. In total, they have worked with a total of XXXX real estate agents, XXXX attorneys, and a professional short sale negotiation company. PNC refuses to respond in any way whatsoever - to anyone. PNC refuses to return phone calls. PNC refuses to provide documents such as a Payoff Demand to the homeowner - this is a violation of their servicing guidelines. 

PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

.... And PNC does n't care.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Transunion. '' It gave three options for contacting Transunion, including " On the web : Visit www.transunion.com ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. Transunion billed me {$21.00}. I called Transunion customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on Transunion.com, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to www.transunion.com. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from Transunion was rude and unhelpful. The XXXX for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and Transunion 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or  both companies. Please assist, CFPB.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatyytion, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.