davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IN)

PNC continually has accessibility issues with their online banking. In attempting to link my PNC checking account with my XXXX  daughter 's new daycare I am receiving yet another error message that I am unable to link my checking account with our new daycare.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/22, I asked the mortgage company, Lakeview MortgageXXXX. XXXX to pay my XXXX XXXX tax in 2 installments rather than 1 in order to avoid their anticipated escrow shortage which would increase my recently decreased mortgage payment roughly {$400.00}. Their unpersonalized canned response was unhelpful. I then called to request this and was told that their system shows it will be paid in 2 installments as requested BUT it was not showing on their website. I was told not to worry. I then realized that when my mortgage account was transferred in XXXX from XXXX to LakeviewXXXX. XXXX, I was told no payment would be due until XX/XX/XXXX. I like to stay ahead of payments so I paid the XXXX mortgage payment in advance. They credited the full amount to principal and failed to credit any of the payment to escrow as they should have. This, paired with the single tax payment ( as opposed to two timed installments ) is what created the anticipated escrow shortage. And that {$2000.00} shortage is resulting in a {$400.00} increase to my monthly payments! My prior mortgage company had DECREASED my monthly payments by {$400.00} after their escrow analysis. LakeviewXXXX. XXXX is refusing to apply my XXXX payments as requested and have shown no evidence that they are paying my taxes in two installments as requested. This is resulting in me paying more interest. It's an unfair business practice. Mortgage companies should be required to warn customers NOT to skip a payment when refinancing or when their mortgage is sold or they should be required to advise them to at least pay the escrow amount. Mortgage companies should also be required to speak in understandable, personalize language when corresponding with customers - unpersonalized, generalized canned statements are NOT helpful. I do strongly believe that this company plays with numbers to draw more money out of unsuspecting customers.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is engaging in a classic and gross bait and switch. They sold their XXXX XXXX XXXX  account years ago as their highest yield savings account. After gaining a bunch of customers, they dropped the XXXX XXXX XXXX  interest rate from XXXX to XXXX and snuck in a new account called the XXXX XXXX XXXX account that earns more than double the interest rate without notifying existing XXXX XXXX XXXX account holders that there was a new account with all the same features only a higher rate of return. Effectively cheating their existing customers out of earnings they would have had.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3200.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WA)

Discover failed to transfer funds to new account after they closed my previous account so they could keep the large payment without crediting my account. this is a violation of my rights as the consumer and they have committed fraud. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. 
This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The account I have for XXXX  and XXXX XXXX on my report don't belong to me and I told the company that it was fraud and nothing is being done. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (NY)

Experian currently reports inquiries that is in Violation of fcra rules. Theses inquiries had no proof of permissible cause, no loan or credit has been awarded as a result these inquiries are a violation of FCRA rules section 1681.

Inquiry under the name ; ( XXXX ) inaccurate reporting a violation of FCRA rules
Consumer complaint received 2020-08-05
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 — Investigation took more than 30 days
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY XXXX XXXX XXXX XXXX IN XXXX CA XXXX IN XX/XX/2019 AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XX/XX/XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XX/XX/XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XX/XX/XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A XXXX XXXX XXXX XXXX LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (TX)

I took a an installment loan with American First Finance back in XXXX. I made all of my timely payments and when I called them to give my new card information they advised me it would be updated right away for my next payment for the following month. When the month rolls around and I notice that payment was not taken I called them to get issues resolved. I was told by a representative by the name of XXXX that someone would call me back with an update of why my account was not updated with correct card. As days went by I decided to call back and each time I called I was told someone would reach back out to me. It never happened and when I saw the company reporting on my credit report to XXXX I called American First Finance and requested they fix the issue and remove the negative late payments off of my Transuion report. They advised me it was an error on their part and update with XXXX. It has still not been updated and I ask to speak with a supervisor they never put one on the phone. I was told to send a dispute letter the company and they would research it and fix the problem. They sent me a letter stating they were reporting accurately which was incorrect. I asked then to listen to the calls that I made and they stated there were not any phone calls recorded. This has caused XXXX XXXXXXXX and preventing from trying to save our home because of negative account information. The company is located at XXXX XXXX XXXX XXXX, TX XXXX. If they do not update then I will seek legal counsel.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX, Transworld Systems inc has sent me a debt collection notice for a debt stating I owe Com..Edison that I do not owe XXXX XXXX. I have spoken with XXXX XXXX and the Customer Service person did not find any such debt. The amount for collections reminded me that the amount asked for is simular to the amount I asked XXXX to help me pay. I was refused XXXX assistance.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In XXXX aound the XXXX I noticed my ATM way not working so I called the XXXX number and they said it was the activity and they would fix it so they said they did I went to check it and nothing I called again and the person said ok I fixed ot try it now and I did and it worked so the next morning I tried it and nothing and so I called and they said that the fraud unit was investigating and would not say anything about it then in the XXXX I got a letter saying it was a business decision to close the account and it would be on the XXXX of XXXX nothing else about what why or how come then on the XXXX  my social security check went in I got it and deposited in my new account and there was still 2000 in the account in the account they then sent another letter saying that they will try and resolve this by the XXXX of XXXX and then it says it XXXX take longer on XX/XX/XXXX the account was closed and the money stayed in there for a couple of weeks and then with out any notice or anything it was taken out and I dont know what or where it went not my social security check i was to receive for XXXX I have not received and if this account is closed why ate they accepting a deposit from social security when it should have be not allowed into the account i have not heard anything from this company since they sent some letter acting all secretly like i was it was something important and it just said we are looking into this and such
Consumer complaint received 2020-08-05
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: Massachusetts Educational Financing Authority (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp. (MD)

In XXXX, I drove my XXXX XXXX XXXX XXXX vehicle to the XXXX XXXX dealer in XXXX MD because they said they can help me trade in my vehicle for a new XXXX car of the same model. I was just getting over XXXX and needed most of the work to be done before I got there. As far as I was concerned, it was a trade and the lender was First Investors. Later, after driving my new car, I saw XXXX showing on my credit report. I spoke to someone today who is telling me my XXXX car was auctioned off by the dealer and did not get rolled in to the loan as a trade. I am not sure what shady dealings went on but something obviously is not kosher. I never had a reposession and I am quite sure I would know if my car was impounded. The dealer and First Investors did something shady but now I am told XXXX XXXX has the debt of XXXX and it is showing on my credit report. I demand someone explain what they did but they need to STOP showing it as a reposession because it was not. I drove it there! 
XXXX XXXX in XXXX, MD and First Investors did this shady deal and they need to be held accountable for doing this to innocent people.
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OK)

I have two collections reported on my credit history. Both in the amount of {$670.00} and from XXXX. I have twice contacted ic systems about verifying the accounts. The first time, in XXXX I received a letter stating that they could not verify the accounts and would stop reporting them. They did not stop reporting them. I sent another verification request in XX/XX/XXXX, I received a response stating that they can not respond because they need further information to include a reference number from previous correspondence ( I have never received any correspondence except from the above stated instance and that letter had no reference number. ) they also asked the name of the creditor, and any phone number they have used to contact me. They have never called me, and I dont have the name of the creditor. So they are reporting to my credit after stating they couldnt verify my debt, they dont know who the creditor is to this unverified debt, and are asking for a reference number I have never received for a debt they can not verify.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act Account ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 6028 states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish my account without my written instructions.

I did not apply for any loan from this institution. I would like for this fraud/unauthorized account be removed from my credit report.
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 
They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NH)

XX/XX/XXXX I received a secure email from Kia for a buyout quote good until XX/XX/XXXX, the amount was {$17000.00}. 

XX/XX/XXXX I made a payment of {$2900.00}. This should have brought the balance down to {$15000.00} but it did not. It was brought to {$15000.00}. 

XX/XX/XXXX I called Kia to ask why. Was told that it was sales tax. I explained that there is not sales tax in NH. They said that they would correct it. 
Called back XX/XX/XXXX as it had not been fixed. Was told that it was a Rental Tax. I paid it. The balance now shows at {$15000.00}. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX called for updated buyout quote and last two payments applied to the account to be emailed to me and faxed to buyout company. 
XX/XX/XXXX Received complete payment history with no buyout quote. 
Called XX/XX/XXXX - Asked again for information to be sent as nothing has been received. They said that it was sent. Asked for it again. 
XX/XX/XXXX Was sent secure email from Kia showing only a full payment history. 
I can not have another company purchase my car, until they release this information.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MS)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.