davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

On XX/XX/2024, my PNC digital debit card within XXXXXXXX XXXX was charged, after providing merchant with another form of payment ( a physical card ) needed for a pre-authorization hold. The final payment was settled with that of payment from the physical card I provided. 
On XX/XX/2024, I noticed the charge on PNC online banking app and called in to discuss the issue and dispute. I was told to call back if and once charge had posted. 
On XX/XX/2024, I contacted PNC to dispute the posted charged from the merchant and advised I had used another form of payment. I also advised that the incident could have happened due to the merchants POS being sensitive and my phone was near when I was told I would need a physical card for the pre-authorization, however I was not informed by merchant that I was accidentally charged already. 
The call with the claims intake representative was disconnected on PNCs end and I was not contacted back. Without my knowledge my card was canceled and I was locked out of online banking and was not able to use telephone banking due to not having a pin. This caused a huge inconvenience in attempting call back into PNC. Another agent was then able to file another dispute. 
On XX/XX/2024 I sent an email to XXXX with the supporting documentation of proof of payment by another entity as advised by branch representative. 
In follow up, around the first week in XXXX I stopped at a PNC branch in XXXX NC and spoke with branch banker regarding dispute and at that time the banker made an internal call to claims were they confirmed my documents were received. 
On XX/XX/2024, I received a denial letter. 
On XX/XX/2024, I contacted PNC and was told the denial was due to failure to submit proof of another payment. 
PNCs lack of communication and initiative to follow & execute the claims process for a merchant dispute has caused me unnecessary distress and delays in dissolving banking relationship.
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

XX/XX/XXXX I wrote this company and told them I did not give them permission to furnish ANY DATA on my credit report. 

They response " The consumer states Caine & Weiner did not get her permission before reporting on her credit. Caine & Weiner is a debt collector. Our company does not buy debt. The debt is for an automobile policy with XXXX. We collect on behalf of numerous clients, XXXX is our client in this situation. Our records indicate the initial correspondence was sent to the consumer XX/XX/XXXX, to the address provided by our client. Validation was last sent XX/XX/XXXX, to the address provided in the complaint. Validation will be forwarded again on XXXX XXXX XXXX to the address provided in the complaint. The file has been noted as 'Disputed ' in our files and the credit reporting agencies have been contacted to update the file accordingly. This should allow the consumer the opportunity to review the documents and contact our client, XXXX. If the consumer believes the account is invalid we ask that the appropriate paperwork ( fraud report, police report, etc. ) be forwarded to our office. As a XXXX company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a XXXX for further assistance. '' I'VE SENT THEM A CEASE & DESIST LETTER IN XX/XX/XXXX YET THEY IGNORE CONSUMER LAW AND CONTINUE TO CONTACT ME. ANOTHER ILLEGAL VIOLATION!!! THEY WENT AND PUT " DISPUTED '' ON MY CREDIT WHICH IS ANOTHER ILLEGAL ACT. DO NOT PLACE ANY WORDING OR VERBIAGE ON MY CREDIT. REMOVE IT WHILE YOU CONDUCT YOUR INVESTIGATION. MY LAST RESPONSE OR MY ATTORNEYS WILL BE INVOLVED. YOU WILL BE SUBJECTED TO PAY MY ATTORNEY FEES PLUS A FINE OF {$1000.00} PER FINE.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency ( factor trust ) has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

* 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. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MA)

In XX/XX/year>, {$68.00} in total was taken from my account and I filed a dispute. DirectExpress sent me {$68.00}, however, in XX/XX/year> they took the {$68.00} back and did not notify me that the dispute had been denied nor why it had been denied. I had provided proof to support my dispute. I have not received any communication from DirectExpress regarding my dispute and why it had been denied. I have experienced them being very uncooperative in regards to attempting to resolve my dispute, and they have been rude over the phone. I have recently had to re-order a new card for the third time in this year alone due to the unauthorized transactions taking place without my consent nor prior knowledge.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit Account number XXXX
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/ I recieved a call.from a number that came up as chase fraud line stating that my account was being hacked for a wire transfer and I needed to reverse charges. I was told what to do and I done it. The amounts was {$9700.00} and {$9500.00} which is alpt of money and I thought I was saving my savings. I was then lead through process and put on hold. The phone hung up so I called chase and explained what happened and they said I was scammed. So I filed report with them about 40 mins after the initial call, chase is saying I did not call until XXXX and trying to deny my fraud claim. I want my money back from this scam and it should of been recalled as soon as I called chase on the XXXX of XXXX. I have filed a police report and a report with the FBI also on which chase told me to do.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda financial is harassing me, with calls and letters. My loan is paid off and I have my lien release letter and already have my clean title. Please Ask them to stop. Legal action will follow If this does not cease. I have also sent them a cease and desist notice.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This was charged off in XX/XX/2019 for {$20000.00} and reported to the Internal Revenue Service as income. My income should not be reported by the Credit bureaus. Please remove me as a debtor and remove all information from my credit report because the company converted this to income.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Incorrect birthday on XXXX. 
Incorrect Names on XXXX. 
Incorrect address and name on Equifax. I am aware of being able to sue them for incorrect items reporting. I reached out several times to no avail. Several collections on my account whom I have never heard of as I did not do business with these individuals. I am attaching my DL and a bill to update addresses.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I closed a conventional home loan ( XXXX yr ) with XXXX XXXX in XXXX, the loan was transferred to be processed by NewRez in XXXX of XXXX. 

After my loan was transferred I am NOT ABLE TO access my loan online on NewRez.com or through the app, this is causing me inconvenience as I need to change online payment amount and bank, I have contracted XXXX customer service at least XXXX times in the last XXXX weeks -- they are completely clueless, incompetent and unable to fix. this problem I have send several emails to XXXX with my load details and haven't heard ANYTHING back NewRez needs to either fix this issue & give me monetary credit for my time, energy or transfer the loan to another processing company immediately ( by XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-11-16
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. (GA)

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 2024-04-18
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. (GA)

there are numerous fraudulent inquiries in my report that i need to be removed as soon as possible. It's affecting my finances. Kindly remove the following thank you : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

CFPB team please review Citibank issued Credit card ( Citi Premier Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/2018 It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant I have used. My annual fees was {$95.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi PremierSM Card Ending with XXXX XXXX Points that were earned for purchases I had made until XX/XX/2018. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/2018. There was no response received. I had requested XXXX points on my account to be redeemed for Homedepot Gift Cards of {$750.00} or Cash Card. 
+ {$180.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 5 years paying annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-12-05
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, 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. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (AL)

Called debt collector on XX/XX/XXXX starting around XXXX. Tried to understand why my health insurance wasnt billed but Medicaid ( which I dont have ) was billed, and where they even got that information. Debt collector told me that the insurance was billed and denied. I asked for the correspondence between them and my health insurance and he told me know. Just that it was denied. He would not give me any information. Told me to call my health insurance, so I did. They have no record of any claims filled from the hospital or the debt collection agency. When I called the debt collector back to tell them that, he said well you need to contact the consumer who billed the initial bill. So I contact the hospitals billing dept, they stated that they cant do anything now that it is at a debt collector and the debt collector has to file the claim through XXXX ( my insurance ). I called the debt collector back and he finally at least took the billing address as to where to submit the claim. But I want to file a complaint against the debt collector.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

On XX/XX/ : XXXX transactions of XXXX made on XXXX XXXX XXXX XXXX transaction of XXXX made to XXXX llc. 
On XX/XX/ spoke with fraud department canceled debit card. 
On XXXX spoke with customer service at Bank and was told there was nobody there that could assist they would email the dispute. I have yet to receive an email.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (NJ)

XXXX XXXX this complaint is once again against XXXX and XXXX as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you