davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. 
PNC Bank did not apply the XXXX XXXX XXXX  {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. 
PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. 
Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. 
XXXX XXXX XXXX  met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. 
Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX 
XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX  or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. 
XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (MA)

I opened a new business banking account with XXXX. Part of the account creation was providing both proof of my business and proof of identity. As soon as I got my first payment for work completed, found froze my account and wouldn't let me access my funds, citing suspicious activity.
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (TX)

Equifax has once again added fraudulent accounts that they were already notified were fraud, back onto my credit reports. Equifax has already received my FTC law enforcement identity theft affidavit. Equifax blocked these accounts, sent confirmation they blocked them as required due to the FCRA laws protecting consumers of identity theft. Not only are they violating consumer protection laws by unblocking fraud and re adding fraud back onto my credit, they know its fraud. Knowingly reporting incorrect fraudulent information. They recently added two new accounts from XXXX XXXX that I did not authorize, a auto loan and a Line of Credit. These were previously blocked, and equifax decided to unblock them and Re add the fraud. Without notifying me. They continue to damage my credit placing incorrectly reporting fraudulent accounts that were opened as a result of identity theft. They have already been made aware of these accounts and proceed to over ride the identity theft block. This includes an account from XXXX XXXX XXXX. I believe equifax is leaking my information, as it seems equifax is the only bureau placing fraud on my credit file.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Equifax could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (RI)

Please see attached letter sent to TD Card Services on XXXX for matter details. This letter was sent through my attorney 's office, I have still not received a response from TD Bank. This account was NEVER activated, I NEVER received a card, NEVER received a bill and they are trying to rack up late fees for interest. They conveniently don't respond in an attempt to rack up late fees.
Consumer complaint received 2023-11-30
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or 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 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2022-11-23
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)

In according with the Fair Credit Reporting act XXXX Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (MS)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I tried to log into Experian and could not log in. It said because I put the wrong password in too many times that my account was locked. It said to call the number they gave me to unlock it. When I called the number, there is no way to unlock it, nor is there a way to speak to a representative
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting accounts 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX, 3. ) XXXX XXXX XXXX XXXX XXXXXXXX, 4. ) XXXX XXXX XXXXXXXX, and 5. ) XXXX XXXX # 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 card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Collection company bought incorrect debt. DEPOSIT was NOT applied towards balance. I have been denied housing which viloates the FCRA. 

GENESIS CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (IL)

I do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

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 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I made an online payment to my credit card company XXXX on Fri XX/XX/XXXX for the minimum amount due. The payment was processed to be deposited from my checking account number with Citizens bank for the amount of roughly {$180.00}. When I checked my Citizens bank account today XXXX had charged my bank {$5600.00} to pay off my full credit card which caused my bank to overdraw my account by {$3900.00}. I called Citizens bank and they advised they approved the payment even though it overdrafted my account. I asked them to send the payment back as insufficient funds as I did not authorize a payment to be charged to my account for that much. Citizens advised they can not as the bank approved the transaction. The only way to get my funds back is to file a claim. I placed a claim with them and they advised it will take 12-14 business days to resolve if it can be resolved. Which is absolutely ridiculous. That means I have no money for nearly 3 weeks time. I have bills to pay and bills that are set to come out of my account automatically and I will get charged fees for them bouncing back or late fees as the bank says my account is negative in the meantime. 

So I called XXXX and begged them to reverse the charge. XXXX advised they can credit back to my account the difference between what was charged and what the amount was supposed to be. Which will bring my checking account with Citizens back to positive but it will take 1-2 business days. 

I called Citizens bank back and they advised if XXXX does that then Citizens bank will charge me an overdraft fee for every transaction that occurs in the in between. 

Citizens bank should not be authorizing payments that overdraw someones account over {$3900.00}. I did not authorize that payment and would not overdraw my account by an egregious amount. Meanwhile Citizens bank is going to punish me and charge over 13 {$35.00} overdraft fees because I had XXXX fix the problem.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

I cancelled my XXXX  cable services XX/XX/XXXX, in XXXX on XX/XX/XXXX I once notified XXXX  after receiving a new bill of service that I was disconnected, on XX/XX/XXXX they took another {$330.00} with out my consent of authorization, on XXXX I received a bill for $ XXXX for unreturned equipment, I was awaiting a location from them to do so, XXXX XX/XX/XXXX I returned all equipment, on XX/XX/XXXX a new bull cane stating i owed {$560.00}, I called and was told the next bill will have that removed. Today on XX/XX/XXXX I got a leeter of collection from Southwest Credit Systems stating them are attempting to collect $ {$560.00}, i have already contacted my atty general office of Pa, in reference to this fraudulent bill.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. I told XXXX, XXXX, and Equifax to reinvestigate the Account XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-05-08
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. (IL)

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, XXXX  XXXX : XXXX, XXXX  : 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 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 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FRADUALENT INQUIRES
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are 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 any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 2023-12-12
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

We experienced a loss of income due to Covid and are now able to resume our payments and have been for several months now. I've applied for a loan modification and have been told by your customer service department to wait until my modification had been approved to make payments, I've since then submitted two applications, have denied a repayment plan that was way above my ability to repay and am now going on my second appeal.

I have falsely been led to believe by your customer service representatives from the beginning of my forbearance that US Bank would help me by deferring my payments at the end of my Covid Forbearance. Very disappointed and frustrated and stressed, with the situation US Bank has put me in. I have done nothing but provided the required documentation that is needed vi XXXX just to be told by your customer representatives that they were unable to open the document files I had send with no notice but a decline of my application. I then submit a second application and was approved for a repayment plan that was unreasonable. I'm now on my second appeal letter, for a denial of my application again due to my income ratio being less than 38 % and I do'not meet program guidelines. What are you program guidelines? There is no explanation of what the program guidelines are and what numbers where used to come to this number. I'm self employed, have a season business and my income varies. If I new what the program guidelines where I could have a clearer understating of what is required of me to modify my loan and get back to making my monthly payments. I believe your calculations are incorrect and would like furthers assistance with my modification, but I can not get the help I need and answers to my questions after several attempts to contact my relationship manager, and by the way I have never been able to het a hold of and is constantly changing. I would like a call back from someone who can give me answers to my questions.