davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-05
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Lending Solutions Mortgage/ LSI Mortgage (GA)

On Monday XX/XX/XXXX at XXXX my husband and I signed refinance papers at our home. The attorney who came to our home left without leaving any copies of any signed documents. He did not leave any way to contact him. Further, he had a strong odor of XXXX on his breath. There many things we were uncomfortable with the way things happened. On Thursday XX/XX/XXXX I emailed the lender and told him we did not have any right of rescission document and wished to have one, but regardless we advised him that we wanted to exercise our rights and not go through with the loan. Later the same day I followed up with another email to confirm to him we wanted to exercise our rights. 
On XX/XX/XXXX I received a phone call from an individual who said they represented the closing attorney and was advised they had neglected having us sign a document and they would send an attorney to me to get it signed. At that time I told them we had exercised our rights not to go through with the loan. 
By this time I had already started a loan process with a different lender. 
On XX/XX/XXXX I received notice that my automatic payment to Bank of America, my current lender, had been discontinued indicating that funds had been dispersed. Upon arriving home I found that a certified check for the difference between what we owed to Bank of America and what the lender who had been notified we did not want to proceed. Even this check is not what we had expected had we gone through with the loan.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NY)

Background : I have maintained a credit card account with PNC Bank for several years, and I have diligently set up the auto-pay feature provided by the card issuer to pay the minimum amount due on the account each month. My understanding was that by selecting this option, I would be complying with the terms of the agreement to pay the minimum amount due on the date specified by PNC Bank. 

Issue : Despite consistently utilizing the auto-pay feature to pay the minimum amount due, I have been assessed late fees by PNC Bank for XXXX past months. This practice is both unfair and unacceptable, as it contradicts the clear intention of the auto-pay feature, which is to ensure timely payments of at least the minimum amount due. I believe that PNC Bank 's actions are in violation of the terms and conditions of our agreement. 

Additionally, on XX/XX/2023, I had a conversation with XXXX from the escalations department of North Carolina. During this conversation, XXXX stated that when a consumer makes any payment on the account, even for as little as XXXX dollar, it would void the auto-pay. In essence, this turns the auto-pay setup void and punishes the consumer for making any payment on the account. This information further highlights the inconsistency in PNC Bank 's practices. 

Request for XXXX : I hereby request the following actions to be taken : A refund of all late fees that have been charged to my account in the past months due to this issue. 

An immediate cessation of the practice of assessing late fees when customers have set up auto-pay to pay the minimum amount due on the account. 

An investigation into this issue to identify other affected customers and provide them with the necessary remedies. 

XXXX communication to all PNC Bank credit card holders regarding the correct implementation of the auto-pay feature to avoid similar issues in the future. 

This issue affects not only me but potentially thousands of customers who XXXX be unknowingly incurring late fees despite their efforts to make on-time payments. I believe that by addressing this matter, the Consumer Financial Protection Bureau can help protect the rights and interests of consumers who rely on auto-pay features to manage their credit card accounts responsibly. 

I have attached supporting documentation, including copies of recent billing statements and proof of auto-pay setup, to assist in your investigation. Please do not hesitate to contact me if you require any additional information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in ensuring fair and transparent practices within the financial industry.
Consumer complaint received 2023-11-20
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. (NV)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

DELETE THE ACCOUNTS BELOW
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NC)

On or before XXXX I spoke to the rental office a multitude of times without confirmation of what they wanted to do with my unit in regards the new tenants moving on to the property. I sent an email message to XXXX XXXX the regional director about not receiving my new lease. I was told by the rental office that, they would get back to me regarding my new lease. Though I followed up with them they never gave me a confirmation on signing the new lease. I finally got in touch with the Regional Manager who in turn followed up with me the day of or before the actual confirmation I had to move out. They knocked on my door and said I had to move in XXXX weeks. I explained if I had to move out on such short notice then I would have to use the rent money for a another apartment. I spoke to XXXX XXXX XXXX at great length about the situation. Upon, reaching an agreement that I would move out immediately that I could use the rent money to move into another place, so as long I was off their premises by the XXXX. I have the emails to back the fact up that it was understood that I would move first and foremost. Especially, because it was short notice and they didn't give me confirmation until they knew how many new residents they were getting. Which the amount of residents did affect their decision. They also had me under XXXX leases for the unit in my name which fluctuated more than XXXX every month some times XXXX. I left with them understanding that my priority was to have a place to live and there's was getting their keys back which I gave them. I definitely feel they manipulated the situation by not being straight forward and also very indifferent and nonchalant on confirming I had to move. The takeaway the short notice made a hardship for my livelihood after living their XXXX years I wasn't treated very nice nor my neighbors we all have similar stories of being overcharged under surved with an indifferent staff.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CO)

XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research? 

If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST. 

Thank you! 

Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way. 

Thanks so much! 

XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it XXXX  times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Attached is a police report for proof the following credit card accounts thats currently listed on my XXXX and Equifax credit report are not my credit card accounts : XXXX XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my Equifax credit report are not my credit inquiries.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine & Weiner is trying to collect a debit of {$400.00}! I never signed any documents with this company. They are not even licensed and bonded to collect debts in the state of XXXX.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I was a customer of Truist and I had checking account from Truist Bank. I filed a complaint for fraud transaction with Truist on and around XX/XX/2023. The charge was made by XXXX XXXX XXXX company and it was for {$380.00}. Truist refunded this charge back to my debit card after the initial investigation. However, after nearly 3 months, Truist took this charge back from my account. XXXX XXXX violated my trust and the law. I filed several complaints against XXXX XXXX and finally, we signed a settlement agreement. I can not disclose the settlement terms and the amount that they paid me due to confidentiality however, they acknowledged their error. On the other hand, Truist never acknowledged their error and they're still demanding this money from me. I closed my account and they are claiming that I owe them around {$60.00}. I demand {$380.00} from Truist. This was a charge made without my consent and approval. Truist should have protected my rights as I was their customer, however they sided with the business even though that business was on the wrong. 
Now, I have a negative mark in my credit report because of Truist just for {$60.00}. I have the right to seek compensation for the damages that this negative mark has caused to me and my business. I can not open a new checking account for my company due to this derogatory mark and it is affecting my income negatively. I can not operate my business without business checking account. If this issue is not resolved amicably, I will start legal battle against Truist.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

After the Equifax breach in XX/XX/XXXX, I froze my credit reports at each of the major ratings agencies, including Equifax. Although I have had no problems temporarily lifting a freeze when necessary at XXXX and XXXX, I am unable to login to MyEquifax. I keep getting the following message : " We are temporarily unable to complete this request. Please try again later. '' I tried multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) and tried with XXXX, XXXX, XXXX, and XXXX  browsers. I've disabled ad blockers and turned off my VPN. Nothing worked. I hoped that it was a temporary issue, so I tried again today ( XX/XX/XXXX ) with the same result on all browsers. A search of this error message shows people encountering the same issue for years. I can only assume that Equifax is deliberately limiting access to its site with the hope that people will just give up and unfreeze access to their credit reports altogether.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (AZ)

Since XX/XX/XXXX, I have contacted Flagship Credit, demanding that they report my account ( XXXX ) correctly with XXXX, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; Flagship is not reporting my monthly on-time payments correctly each month.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Fidelity LP (IL)

I have received numerous billing invoices from " XXXX XXXX. '' I never ordered anything from this company. After reading articles online from other consumers, indicating the company partakes in fraudulent practices, I did not contact the company. These invoices started coming in the mail about a year ago. They were stating I owed money for XXXX items of {$90.00} each, for a total of {$180.00}. On XX/XX/24 I received a letter from Universal Fidelity LP stating the XXXX XXXX XXXX has asked this " national collection agency '' to contact me regarding this apparent account. I have not contacted either company.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

I got this card with a limit of XXXX dollars already with an annual fee of XXXX dollars. I didn't agree, I called and canceled the card. However, there was a charge of XXXX dollars from XXXX XXXX that I didn't do. I complained to XXXX XXXX and they said that I have to pay everything for the annual fee and the fraudulent purchase. I canceled the card and they reported my credit and denied it to all the banks. Now I no longer have credit due to their mistake, not mine.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Case number at capital one XXXX I have paid a contractor named XXXX XXXX over XXXX dollars to remodel my bathrooms and replace the pipes and update the plumbing. I paid with my credit card capital one Visa card. I disputed XXXX dollars ot of the total amount I paid for work NOT done in the third bathroom and for the PIPES AND PLUMBING THAT WERE NOT REPLACED AND NEVER DONE .I contacted the XXXXXXXX XXXX several times but they always refused to come back and finish the job we agreed on and I paid for. Capital one ruled in favor of the contractor and charged me again for the XXXX dollars. They charged back the credit they gave me for no legitimate reason because I disputed XXXX dollars for work NOT DONE on the third bathroom and for not replacing the plumbing and pipes. All the other work the merchant is showing in pictures was paid for since I paid them XXXX dollars. I am only disputing the XXXX dollars for work NOT DONE AND PLUMBING NOT DONE. I am requesting higher management at capital one cards to be involved and I am requesting capital one to refund me the XXXX dollars since the work for that amount of money was never done. Capital one needs to investigate thoroughly and rule in my favor and refund me the money The case number at capital one is. XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/year> I accidentally made a double payment towards my auto loan with USAA. The morning of the XXXX of XXXX I noticed my automatic payment for my car loan didnt come out on the XXXX so I manually made a {$1200.00} payment towards the loan. Shortly after that my automatic payment of {$1200.00} came out of my account. I called the bank on the XXXX of XXXX and notified them of the issue and asked to have my payment of {$1200.00} to be returned or reversed and they notified me that they will have to dispute it and and that investigation will take XXXX business days. On XX/XX/year> they notified me through documents that they will not be able to reverse my payment because it will make my loan account negative and that is not true. My car payments are due the XXXX of every month as of now with the double payment my next loan payment is XX/XX/year> refunding my money will put my next loan payment on track of XX/XX/year>. I have talk to multiple people at USAA informing them of the issue and I have been there is nothing more they can do and I am not settling for that answer
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Southwest Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Southwest Credit Systems for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Southwest Credit Systems has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Southwest Credit Systems cease such practices immediately. 

4. **Failure to Provide Disclosures : ** Southwest Credit Systems has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Southwest Credit Systems , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

XXXX. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Southwest Credit Systems. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Allied Collection Services, Inc. (Nevada) (NV)

In accordance with the fair Credit act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A 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 my account without my writing instructions