davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Momnt Technologies, Inc. (GA)

XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX THE MANAGER XXXX XXXX ( XXXX ) XXXX REFUSES TO ACCEPT I CANCELLED WITHIN XXXX DAYS VIA THE TELEPHONE. AT THIS TIME XXXX AND HIS FINANCE COMPANY MOMNT ARE REPORTING TO THE CREDIT BUREAU THAT I OWE THEM {$15000.00} FOR A SHOWER THEY NEVER INSTALLED. THE SALESMAN CAME TO MY HOME OFFERING FREE CONSULTATION FOR SHOWER/BATHROOM INSTALLATION AND STATED IF I DECIDE THIS PROJECT IS NOT FOR ME CALL THIS NUMBER AND CANCEL OR CALL HIS CELL AT ( XXXX ) XXXX. THIS SALESMAN 'S NAME IS XXXX. I CALL TOLD XXXX I DECIDED THEIR PRODUCT WAS NOT FOR ME, AND I WANT TO CANCEL WITHIN XXXX DAYS TIME HE STATED. HE TOLD BE THAT I PUT HIM IN A BAD POSITION AND HE WOULD GO AHEAD AND CANCELL. HOWEVER, XXXX XXXX XXXX XXXX XXXXXXXX AND THEIR FINANCE COMPANY MOMNT CREATE AN ACCOUNT AND START BILLING ME AND REPORTING ME TO THE CREDIT BUREAUS FOR NON-PAYMENT. I REPORTED THEM TO THE XXXX XXXX XXXX  AND WAS ONLY ASSIGNED A CASE # CID : XXXX.
Consumer complaint received 2023-11-09
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. (TX)

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 XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : 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 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. ()

PNC bank first blocked and then closed my account without informing me about the reasons. My money in the account has not yet been returned. I've been trying to solve the problem for a year now, but the bank employees ignore me. After my complain to CFPB a certain XXXX XXXX from Executive Client Relations left her phone for resolving the problem. Ive been calling her for two weeks but she has a voicemail saying that she is out of office or I have to leave my phone number. She never replies my emails, never calls back. PNC bank deceives all the time. I think they have something to conceal and this XXXX XXXX doesnt work there anymore. It is just a fake phone number to make it look like they are ready to solve the problem.
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (GA)

I purchased a camper and XXXXXXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for capital one savor credit card and I met all of the requirements and they never listed a minimum income and they denied me based only on income which is XXXX because theres no minimum income listed anywhere. I qualified for everything else and their XXXX  denial effected my credit score so I think that they need to be charged or fined in someway for false advertising because not saying that they require a minimum income and then denying people on that is a bunch of XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient has yet to post my payment for the month of XXXX XXXX. The check cleared my bank almost XXXX weeks ago. I have even uploaded a copy of the cancelled check. This is not the first time this has happened. In fact, I have filed complaints before about this happening. It seems to be happening on a regular basis now. I refuse to do online payments and wish to send in checks. Each time the check has cleared my bank and has proof that Navient is the one who cashed them. I am sending the checks to the correct address with my full account number on them. I am also sending them well before payment is due. It is becoming frustrating having to get a copy of the cancelled check to submit to Navient every few months because they misplace my payments. 

This has been a very difficult company to deal with. I was also XXXX of the victims of their forbearance scam in the early XXXX. I have been paying back my loans now since I am not XXXX who will be getting the rest of it forgiven since I was not led into the right type of repayment plan by them. The fact they are getting more money than I originally owed and are now constantly losing payments is not acceptable.
Consumer complaint received 2022-10-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  ; account 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Consumer complaint received 2022-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

inaccurate/ unauthorized fraud items on my credit report XXXX XXXX XXXX XXXX XXXXXXXX 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 CAPITAL ONE Bank Credit Cards XXXX XXXX
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Dear Sir/Madam, I am writing to address a pressing concern regarding recurring internal fund transfers between my checking and savings accounts with Truist Bank . Despite my explicit cancellation from the Truist App, after my job departure due to relocation in XXXX, the system continued to facilitate these transfers without my authorization. This oversight led to the overdrawing of my account, resulting in subsequent fees, which has been a source of significant loss.

The interface of the bank 's application poses a significant challenge in distinguishing between transaction history and the actual running balance. To gain a clearer understanding of the situation, I conducted a thorough review of the account with the assistance of my fianc, a financial products operations analyst and manager, using her XXXX, which offered a clearer and more comprehensible view of the transactions than the mobile app does. 

Through this review, it became unmistakably clear that it was the internal transfers, and not outgoing transactions, that caused the account to become overdrawn, which was unclear to me previously. More importantly, despite having sufficient funds available to cover any point-of-sale purchases I made, Truist still charged me overdraft fees. It seems unreasonable to have incurred substantial fees due to these internal transfers, particularly when there was no adverse impact on the bank 's end. 

As a longstanding and loyal customer of several years, I am disappointed by the deceptive nature of these actions. I am taking this opportunity to initiate direct communication with Truist, with the hope of resolving this matter internally. Nevertheless, if the excessive charges arising from the erroneous internal transfers are not rectified promptly with a reversal of all the incurred fees, I will be compelled to escalate this issue through appropriate regulatory bodies, including but not limited to the XXXX FCC, SCC, FTC, FDIC, and CFPB. 

I urgently request immediate attention and a swift resolution to this matter to ensure a fair and just outcome. I would appreciate your prompt response and action to rectify this issue.
Consumer complaint received 2023-08-09
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: EMCC Holdings, LLC (AZ)

I had my credit ran by a mortgage lender and an account EQUIANT FINANCIAL SVCS is reporting with XXXX. I had already reached out to this company letting them know this is NOT my account, i filed a police report ( attached ), I reached out directly to XXXX and let them know that the account is not mine and that there was someone else 's name on my report 'XXXX  XXXX XXXX. I also went to the Social Security Office and let them know to flag my account/ SSN. I have done my due diligence and this negative account is still reporting and negatively impacting my ability to purchase a home. This account is showing as a 'foreclosure ' status.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (GA)

To date, Midland has provided several dates which are reaged for the alleged debts. Midland reported on XX/XX/XXXX with various dates with no validation of evidence to substantiate their deceptive actions. All the alleged debts are reaged to compromise the XXXX which expires since XX/XX/2023. There is no contract with Midland and who has been using my private information without my consent. 
" The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another ''.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-04-11
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. (MD)

Hard inquiries that are invalid and incorrect on my credit report XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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 (MA)

XXXX I was fraudulently billed XXXX. I thought I was talking to XXXX about flight changes needing to make a new flight plan. The person told me I would be refunded my original flight but would be billed XXXX. It was fraud since they did not refund me any money and did not provided me a new flight, but charged me. I called capital, the credit card that I used, as soon as I realized it was a scam, which was a within a few days. They created a dispute. The merchant that committed fraud gave capital one a doctored receipt. I explained that is not real and that Ive already payed for my flight originally with XXXX and I did not sign nor agree or get anything they said in that receipt, that the flight they claimed they booked, I booked through XXXX. I called capital one many times to see how I could resolve this and spoke to many managers- they told me I needed a cancellation to show they didnt provide anything. I told them if they followed up with XXXX, it would show that XXXX booked the flight, but they told me I need to show that the flight was cancelled. I provided receipts from XXXX and my correspondence from XXXX all corroborating that the charge of XXXX was fraud. It was extremely frustrating since all of capital one providers and managers that I spoke to were off shore and kept giving me what felt like the run around and robotic statements it kept going on with me providing receipts and correspondence until they told me that the time to resolve this has expired. The experience with capital one, that alone was horrible, so many hours waiting, talking to people who didnt understand what I was explaining and writing so many letters.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX plays a fair game, making this action easy for me and for my wife. 
XXXX and Experian sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
Consumer complaint received 2023-08-09
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. (TX)

I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.