davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TMX Finance LLC (TN)

I called Title Max and spoke to an employee. I asked then do they do credit checks and was told no. So I went to the actual store found out the application and still I asked do you do a credit check no answer I was never told that they did one. And when I got home my credit was hit for XXXX points. And I did not get the loan which is no problem however they did not disclose it they were going to do a hard hit on my credit and I'm trying to rebuild it and it is less now than when it was when I filed bankruptcy.
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

In XXXX because of the pandemic I lost my job as a nurse for a year we struggled to pay all bills. In XXXX, my husband and I decided to apply for forbearance for 6 months. After 6 months we continued struggling so applied for another 6 months of forbearance. We recently applied to the California relief program as our forbearance is coming to end this XX/XX/XXXX. Our company paramount residential mortgage group contracted a subservicer and refused to participate in the federal program. I understand mortgage companies arent forced to participate but my loan is backed my XXXX XXXX a federal funded company so it makes no sense for them not to participate and in addition not follow XXXX XXXX guidelines. Secondly they refused to speak to us the clients and transfer our calls to the subservicer who is XXXX who continuously lies to us. My husband and I have struggled with this issue for more than a month. We hope to get some help. Thanks
Consumer complaint received 2019-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NV)

This company is harassing me and extorting in the name of XXXX company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

Unlike other banks, I can not schedule a transfer of funds between my PNC checking account and PNC Home Equity Line of Credit account ( HELOC ). Because the interest rates are high, I don't want to transfer funds from HELOC to checking account ahead of time and pay additional interest. But that also means that I have to remember to do the transfer the night before. I'd like to be able to schedule the transfer of funds between my checking account and HELOC. 

This technology capability is not available, and I've requested it before. It puts burden on me to remember to transfer funds at specific times to reduce my interest expenses. It is a simple feature that most large ( and even smaller than PNC ) banks size of PNC offer is to transfer funds between two of their own products. 

Secondly, the mobile app doesn't offer capability to transfer funds between checking and HELOC account. Ironically, the banking app offers to transfer funds between PNC and NON-PNC-external accounts, but NOT between two PNC bank accounts. I've complained about this to the branch and also to the 800 numbers. I have not received any satisfactory answers. 

To summarize I am asking for two simple and reasonable capabilities.

1. Schedule transfer of funds between PNC checking accounts and PNC HELOC account at a customer selected date.

2. Have the same capability on the App as well. Currently the App doesn't even off to transfer funds at all.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have done or have any business with ENHANCED RECOVERY CO or account # XXXX this item is fraudulently report on all my credit reports. I demand that this be removed from my account immediately as it is effecting my scores. I currently have phone service with XXXX so I have no idea why this is on my credit report. This account also isnt reported on all credit accounts.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on XXXX is XXXX XXXX XXXX , Account Name on Equifax is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on XXXX is XXXX, and Account Number on Equifax is XXXX ... .. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (TX)

Experian did/does not have permissible purpose to report the following account to my consumer report : XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 compliant XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 complaint XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/ Not Metro 2 compliant XXXX. XXXX XXXX XXXX  Account # XXXX FCRA Violation /Not Metro 2 compliant They are committing Identity Theft. I submitted an identity theft report on idenititytheft.gov, and provided them with a copy. The report will be attached with the complaint.
Consumer complaint received 2020-09-30
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: OneMain Finance Corporation (TX)

I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is XXXX XXXX
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX  XXXX - {$2700.00} XXXX  XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FinCo Services Inc DBA Current (DC)

This is one of many employees at Current bank who are very and flip concerning issues that there customers address. Today on XX/XX/2023. I tried to talk with a supervisor concerning a very important and serious issue. Not to mention my overall experience and dissatisfaction of their overall customer service. This supervisor completely brushed off any concerns that I had and was very rude and downright insulting to me. This persons employment ID is XXXX and there name is XXXX. I will also include some of the screenshots of the conversation that I had with XXXX too.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (CT)

I am filing this complaint against XXXX and SSTXXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I put {$200.00} dollars in the bank for the 3.75 % apy through a third party bank known as Citizens Access, for some reason, and they have no answer to this, my account is under review. All I did was transfer money from XXXX and XXXXXXXX XXXX  over to my account to leave in so that I can collect interest, and I was considering doing biweekly deposites of XXXX dollars, totalling $ XXXX. I feel like I have been scammed, and am concerned. Im reaching out to the consumer finance bureau to get Citizens Access to fix this. I tried to fix it myself, but upon reaching out, they couldn't tell me what's going on, let alone fix it. This is completly unacceptable, and since I could lose my cat, a rescue, to parvo due to not being able to get that money for his vet appointment on Friday, not only is this unacceptable, but this is also UNFORGIVEABLE. I want my money, back. Please, and thank you.
Consumer complaint received 2022-10-28
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. (NJ)

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to XXXX, XXXX and TransUnion they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. XXXX, XXXX and TransUnion are not reporting a date of last activity, XXXX or TransUnion is not reporting a high balance and TransUnion is reporting a collection account as opened and past due balance and XXXX is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. XXXX, XXXX and TransUnion all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.
Consumer complaint received 2021-03-21
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: EQUIFAX, INC. (VA)

I submitted my dispute letters to Equifax over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and i am entitled to {$1000.00} per violation.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (GA)

In accordance with the fair credit report act this creditor has violated my rights. Under 15 US c 1681 section 602 states I have the right to privacy. 15 US c 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 US c 1666B a creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into Experian account to see if anything was ontoward. I saw that there is a credit card with XXXX in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX, XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to XXXX XXXX XXXX to dispute this and also with Experian Credit reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from XXXX saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to XXXX that this is in fact not me. I have no other blemishes on my credit report. Thank you.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

Chase customer service agent denied my request to file dispute on a transaction of my chase freedom credit card. 

I prepaid in full for my hotel stay in XXXX At XXXX XXXXXXXX XXXX in Hawaii on XX/XX/XXXX. 2023 for XXXX nights, but was not properly informed of additional fees associated with the hotel, As a result, I was forced to pay more money at check-in than I expected, and I feel misled. 

When I made my reservation through XXXX App, I was not informed of any additional fees, such as reservations fee, damage wavier fee and housekeeping departure cleaning fee that would be charged in addition to the room rate that was quoted on the XXXX app. Despite paying the full amount to XXXX, I was still required to pay additional {$250.00} at XXXX At XXXX XXXXXXXX XXXX XXXX. I was not made aware of this fee prior to my arrival, and it was not included the original booking confirmation that I received from XXXX.
Consumer complaint received 2023-02-15
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. (NY)

Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (FL)

This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, Experian and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2022-10-28
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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  ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-03-06
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXXXXXX XXXX Balance : {$0.00} ; 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