davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (PA)

I just recently received a new way2go debit card for my child support payments and this weekend was the first time i received a payment on my new card. I activated the card and created a pin as soon as i received the card, which then deactivated my old card that was used for my child support payments. When i first tried to use the card at a gas station near my home the card was declined. Thinking maybe i might've already forgotten the pin, i went onto my app and changed my pin then went back into the gas station and attempted to use it again but it was once again declined. I tried the ATM thinking maybe their card reader was down again but my card was once again declined. So at that point i attempted to use my money by transferring it to my XXXX account, then my XXXX XXXX account and it continued to decline my attempt. Then i tried sending money to my fiance and it finally allowed me to send him money but only in increments of XXXX {$3.00} or possibly XXXX times. So thinking the issue was finally fixed and my card was working we went back to the gas station and once again my card was declined. At the time it was after hours to call customer service so we waited until morning and tried numerous times to contact someone about the situation with no luck. So we thought maybe it's the actual card but still works online... we then attempted to place an online order through XXXXXXXX and once again the card was declined. at this point i was very upset and confused. My fiance finally was able to get ahold of a call center and the lady only made the matter worse by completely deactivating the card, somehow. To be honest, i have absolutely no idea what the issue is. If you go on my app or the website, it doesn't say that my card is locked and it shows the transactions i made through XXXX and or XXXX XXXX. but no matter where i try to use my card now, online or in store, my card is declined. The funds are on the card and you can clearly see that i was able to transfer funds via payal a few times. So can someone please explain to me why my card is declining every transaction and please help me transfer my funds from this card/account onto my personal account. Or at least make my card work so that i can be able to use the funds on my account.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (MN)

I am writing to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.
Consumer complaint received 2024-10-27
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AND ASSOCIATES XX/XX/XXXX PRO COLLECT XX/XX/XXXX 2021
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-07
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. (MD)

In accordance with the fair credit reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a p
ayment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2017-05-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC (TN)

I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

This law has been broken and violated and the inaccurate information from XXXX XXXXXXXX XXXX XXXX account # ending in XXXX and XXXX account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, XXXX, and TransUnion ....
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to deposit {$2300.00} into my account because I needed to pay electronic bills. I went to the XXXX and started making a deposit. However, the XXXX did not immediately accept the entire amount of {$2300.00}. They returned some of the money back to me. Despite this, I decided to continue with the transaction and deposited the rest of the money, making the total amount {$2300.00}. However, the XXXX gave me a check that indicated an error and instructed me to contact the bank. When I checked my account, it only showed {$1300.00} instead of the expected {$2300.00}. I have been unable to resolve this issue for several days. As someone who earns {$2300.00} a month and uses this money to pay for housing, I kindly request that Bank of America return the remaining {$1000.00} to my account.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 information, 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I found out that someone applied for XXXX credit cards in my name. I was advised to freeze my credit report. Experian makes this impossible to achieve online. Their system repeatedly rejects online requests and directs you to call them. Then their answering system refuses to let you talk to anyone ( it literally says that it can only allow you to speak with a representative in limited circumstances and hangs up on you ). To freeze my credit report so that people can not apply for more cards in my name I literally have to send them private information like a copy of my drivers license and a bill by mail. I can't get through to them any other way. I feel they are deliberately making this difficult because they want companies to use their service so they can charge fees. 

For reference, I was able to freeze my credit report with XXXX XXXX and XXXX in about XXXX minutes. With Experian, I spent several hours on their website and on the phone. Each time the system simply routed me to dead end where I could not accomplish the task or get any sort of meaningful help.
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (NY)

About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (UT)

I am contacting your office to request that you review an outrageou s letter ( Uploaded to your site ) that I received from the Attorney for PNC Mortgage, relating to the servicing of my FHA loan, and their blatant attempts to obstruct the process of trying to get reviewed for assistance programs due to a delinquency on the loan. I was given the same information over the phone by PNC represe ntative  XXXX   XXXX . Basically, these ag ents of PNC stated that they would no longer consider me for any type of modification assistance because I have submitted too many applications. The letter did not state that I have submitted too many applications and they all have been denied ; the letter does not state that I have been approved for multiple modifications, so I am not allowed to apply again for two years -- -no, it appears that PNC is actually fabricating a reason to deny assistance through a government regulated program. Perhaps in this era of reckless government PNC feels tha t they can change the rules and deny access to government programs that are available for all FHA homeowners, but this is wrong. I am requesting that you open a formal investigation  of PNC Mortgage and the way that they are servicing your loans, because I am sure I am not the only one.       PNC Mortgage is the servicer of this loan, not the investor, and since this is a government insured loan and the investor is FHA there are options that must be consideredloan modification, partial claim, special forbearance, repayment plan etc. My issue is not that I have applied so many times ; my issue is that PNC has not completed a review in an efficient, competent or timely fashion. So this appears to me to be a false attempt to obstruct an FHA borrower from government programs that you are REQUIRED to  offer. There are no FHA guideli nes or restrictions relating to maximum number of ATTEMPTS, especially when the PNC staff is not even completing the review and issuing a decision. We have suffered a true and demonstrable hardship and fell behind on our mortgage. We are now back on our feet and our financial situation has steadily improved and changed. We are entitled to a full review for all government programs available. PNC Mortgage does not have the right or the authority to obstruct this process. I feel deserve the opportunity to have my case escalated to the Office of the President and deserve the opportunity to have my current and correct financial information evaluated for all government programs that exist for FHA borrowers. I have been told that PNC is  required to do so, and they need to comply with the federal rules and guidelines for this government insured loan. I actually as ked PNC if th is was an FHA rule or something internal, and they stated that it was an internal decision.     This is wrong, we have sufficient income to afford a reasonable payment and this is an avoidable foreclosure. I am requesting that your office intervene in this matter so that I have the opportunity to save my home with the programs that are in place.
Consumer complaint received 2017-05-12
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: TD BANK US HOLDING COMPANY (FL)

XXXX   XXXX   XXXX      Installment loan  for {$5000.0 0} I Applied a nd they denied.   They denied me because of limited  Credit Experience .   They only applied for a installment loan when i wanted to apply for them all.   Due to redlining and the  Homestead Act  i feel their practicing those discriminating acts on me.
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.
Consumer complaint received 2023-07-25
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. (WI)

15 U.S. Code 1666b - Timing of payments U.S. Code ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against Portfolio Recovery Associates ( PRA ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old XXXX XXXX account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another XXXX XXXX credit card. XXXX XXXX has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. PRA has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because PRA sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against PRS called Federal Trade Commission v. Portfolio Recovery Associates, PRA must show proof of ownership of a debt or proof that XXXX XXXX has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, PRA is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. PRA is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress.  Accordingly, this item must be deleted permanently, and my file information must be voided by PRA. THIS ITEM POSTED IS ILLEGAL!!! <P/>PRA MUST DELETE ITEM AND PURGE MY INFORMATION!!!
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.