davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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. (MN)

My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I leased an apartment from a company called XXXX XXXX XXXX XXXX XXXX XXXX and vacated in XX/XX/2017. I had email correspondence with the manager whereby I asked them to draw any remaining money owed from my security deposit. That manager confirmed, I returned the keys and then never heard from the company for about 1 year. Then I got a call from National Credit Systems saying I owed all this money. They never provided any proof as to why I owed any money. They just berated me for weeks upon weeks saying I needed to pay. When I showed them the email correspondence with the manager and asked for any proof that I owed money, they provided nothing. Email correspondence is attached.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On today while speaking with a customer service representative. She first advised me that this was a recorded call. Which is odd because usually its stated by their automatic system. However she would not allow me to make any changes or have proper access to my account. Then she began to mumble over her words and became a XXXX XXXX XXXX. They became very despondent when I disagreed with online mobile banking. And afterwards stating that she had to transfer me to another department in which never happened. And they has individuals from third world countries who doesnt know how to fully perform the required simple tasks and its wrong
Consumer complaint received 2020-02-27
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. (MO)

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.
Consumer complaint received 2020-02-27
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. (VA)

Trans Union told the CFPB that they had deleted the XXXX XXXX XXXX XXXX account off of my credit report. It was deleted but today they put it back on my credit report. It was deleted but today they put it back on my credit report The information violates regulation Z and it also violates FCRA laws that state in accurate information must be removed A letter was provided to Trans Union as proof that I was never late on this account and yet they have put it back on my credit again
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

{$250.00} owed to XXXX XXXX and showed up in collections. Haven't had XXXX  for 5 years, never heard or received notice from XXXX   that I owed any money and I don't believe that I do owe them any money.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX XXXX Bank of America XXXX XXXX XXXX account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX died over two years ago. This account continues to not be closed and paid to the beneficiaries. Numerous calls and emails to XXXX XXXX and others have gone unanswered. This account needs to be closed and paid out to the beneficiaries. I have called seven different numbers I was given today, yet nobody at Bank of America can help me. I please ask for your assistance! 

Thanks so much, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

A year ago we used a balance transfer to XXXX XXXX ( XXXX XXXX  ) credit card for {$5000.00} then in XXXX we used another one for {$4700.00}. All year they have been deducting almost all of the {$300.00} payment we have been sending to the newest balance transfer instead of the older one which expires sooner. We have used balance transfers for years using other credit card companies and the biggest part of the payment always goes to the oldest balance transfer amount. Now that the year for the 0 % interest is almost over we still owe {$3800.00} on it. Only {$39.00} of the {$300.00} we sent each month went to that one. We have tried calling and they do nothing but send us a form that has nothing to do with our problem. Even the supervisor we spoke to said she always thought the payments go to the older balance transfer but yet she has no authority to change the way the payments were applied. We can't get them to understand that what they are doing is fraudulent because there is no possible way to pay off the amount within the 12 months offered interest free since they keep putting our payments on the newer one. This is obvious a ploy of this bank to get the finance charges one way or another and is not fair to the consumer
Consumer complaint received 2023-07-05
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: ENCORE CAPITAL GROUP INC. (NV)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-06-23
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. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (TX)

I tried to make a payment on line the agent told me I had till the XXXX of the month. On the XXXX received a letter telling me I needed to move out. I went to their corporate office to speak with a manager. He explained that it was a misunderstanding that I could leave the payment there in the office with the receptionist. Went to the bank got a cashiers check returned to the office left it with the receptionist. They later said it was not paid but it was paid to the lady in reception as he had asked.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (NJ)

I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!
Consumer complaint received 2020-02-27
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. (CA)

Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  XXXX which resulted in serious complications from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. This account has been paid. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (CA)

My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (CA)

MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches do not take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( https : //get.moneylion.com/XXXX ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. The contact info on the www.moneylion.com website is also inaccurate, since the phone # disconnects upon transfer and the e-mail has since been replaced by a ticketing system that makes it near impossible to file a support request. 

I deposited {$3500.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$3500.00} was processed on XX/XX/2019. On top of that I went above and beyond the bonus requirements and even had a third direct deposit of {$3500.00} processed on XX/XX/2019 and kept my ALL funds in my account for over 100 days without withdrawing any money. I have met the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy and credit my account {$590.00}, which is 17 % of of initial deposit of {$3500.00}. Thank you.
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/2020, Bank Of America allowed a wire transfer from my account ending in XXXX to transfer in the amount of {$20000.00} to be transferred to XXXX XXXX  located in XXXX. Then again on XX/XX/2020, a second wire transfer from the same account, for the amount of {$23000.00} to be sent to XXXX XXXX  in XXXX. Both of these transfers were done fraudulently via romance scam. Bank of America allowed these funds to be cleared for wire transfer though the amount had hall marks for fraud. Bank of America demonstrated poor practice in allowing fro both wire transfers to be go through to the bank in XXXX, thus Bank of America allowed me to be victimized by this scam.
Consumer complaint received 2020-02-27
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: EQUIFAX, INC. (NC)

Today ( XX/XX/20 ) I called equifax to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that equifax doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to equifax and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (AZ)

NCA opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then NCA has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with NCA. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC (MA)

I XXXX XXXX have received several calls from a debt collector hired by XXXX XXXX XXXX. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called Constar Financial Services claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. Constar Financial Services , LLC is third party debt collector located in XXXX, Arizona. CFS has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX. I have never received one collection letter from Constar, and I want to resolve this matter professionally but in written correspondence only.
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have filed many FTC reports and Police reports with the bureaus stating the inaccurate information. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

*There is 1 account listed that is not mine balance stated as {$530.00} although I never owed this company SOUTHWEST RECOVERY SER XXXX
Consumer complaint received 2018-02-27
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. (WI)

My issue is with TransUnion. I have been working on my credit and working to repair and update inaccurate information. I went through identity theft in XX/XX/XXXX and divorce in XX/XX/XXXX-XX/XX/XXXX. All credit reporting agencies have kept up to date EXCEPT TransUnion. I have submitted disputes in XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX. The info regarding account that are listed that are not mine, has bee disputed and TransUnion refuses to remove the information. I filled bankruptcy in XX/XX/XXXX, accounts are not listed properly as in bankruptcy, but still being reported as late pay and negative open/collection accounts. I have called repeatedly, with no results. I'm told that an investigation is being done, but that's a lie. I need assistance.
Consumer complaint received 2024-03-16
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. (PA)

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 XXXX XXXX XXXX. Act Name : XXXX Act Name : XXXX XXXX XXXX XXXX Name : Self, Act Name : XXXX XXXX, Act Name : XXXX XXXX  XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXX, XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )