davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc. (NJ)

Re : Proof of Claim filed in US Bankruptcy Court-XXXX NJ Division Case No : XXXX Filed by : XXXX XXXX XXXX XXXX , FSB , d/b/a XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2021-10-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I was notified by XXXX that my application was received on or by XX/XX/XXXX for XXXX  YET still i get calls from XXXX with no messages just calls. don't think there really suppose to be calling me until the process is completed. ALSO after i complained XXXX XXXX about the clarity of record keeping or lack there of XXXX wastes time yet again by sending REDUNDANT INFORMATION i wanted the records showing when they received my documents to facilitate how do they come to the conclusion on what is timely permissible or not. I certain this fortune company is going to claim that they dont have the capability to take me out the dialer like why would one comply with FCC???? they assigned another minion who thought im so impressionable by changing the name of the messenger i wouldn't know its the same stall tactic they always use deny conflate ignore run out the clock force bogus modifications short sale you or foreclosure. why wont you show when you received my documents? Any XXXX XXXX or XXXX can produce elements as representations but since you're vetted by the government and its not a class action issue or gross blatant forced circumstance then oh well BUSINESS AS USUAL
Consumer complaint received 2022-10-29
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. (MD)

I submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in XXXX  ), and the credit bureaus have not removed several late payments from the account. XXXX, XXXX, and Transunion have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX, XXXX, or XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX XXXX, I was in an accident with the vehicle in question and it was deemed a total loss by my primary insurance company and I also had a gap policy. Both insurance companies have paid on the claim and the lien company I had cosigned with for the vehicle documented that they would release the title to me once payment was made and I have not gotten the title and they are continuing to bill me for an additional amount that was left over after the payments were made to cover the cash value of the car in full. The problem I am having with the finance company is that they have not released the title and are continuing to bill me for a balance that was discarded between them, myself and the two insurance companies. I do see that this has been a problem with a previous customer
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XX/XX/21 An unauthorized check was cashed against my personal checking account in the amount of {$6500.00}. 

XX/XX/21 While reviewing my online banking statement, the fraudulent check was discovered and Santander bank was notified of the issue. 

XX/XX/21 A follow up call was made to the fraud operations department at Santander, the representative had little to no information in their notes from the original call. The representative noted the issue was marked high priority however had not been looked into by anyone at the bank as of XX/XX/21.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (OH)

I owned a XXXX  XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. 
Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. 
So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. 
For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. 
I implore you help me in any way that you can. I did not sell my XXXX  for XXXX  of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. 
XXXX XXXX
Consumer complaint received 2021-10-25
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC (WV)

XX/XX/2021 someone from Iowa fraudulently charged by Milestone Gold Mastercard {$270.00} for two pairs of shoes at XXXX. I was completely unaware of the transaction until my bill came in the following month. When I called, the company promptly issued a new card and promised to investigate the matter. 

On XX/XX/XXXX, they determined that I made the purchase even though the buyer used a different email address and misspelled my name and city, but they determined that I made the purchase and sent it to a complete stranger in a state I've never set foot in and had no known friends or relatives. 

I was dumbfounded by the gross incompetence displayed, but the hour-long phone call with their customer service reps didn't produce any results other than skirting responsibility. I reluctantly paid the balance and canceled the new account with them. At this time, I'm reaching out to the CFPB to resolve this matter.
Consumer complaint received 2023-09-04
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 (TX)

A bunch of purchases out of state occurred Ive sent pictures with all dates and times of the events down below and my card was being charged and even went over balance and now i have to pay back and ive reported it to capital one, it is a capital one XXXX XXXX credit card for students
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Augusta Collection Agency, Inc. (GA)

I am filing this complaint because Augusta Collection Agency Incorporated yelled at me and argued with me over a debt they claim I owe. At about XXXX XXXX on XX/XX/2025, I called back XXXX which is the Augusta Collection agency and the agent argued with me over how XXXX XXXX is not responsible for taking or relaying insurance information to their billing department. I told the agent that she was not allowed to argue or yell at me and she insisted that she had every right to argue with me and attempted to deny yelling at me before she hung up on me. I have already filed a complaint against this company over this same company that keeps insisting that the bill is legitimate and even though XXXX is contracted with the county to respond to medical emergenices, they insist they do not have to obtain insurance information or relay insurance information to their billing department. They do not warn patients that patients have to submit their insurance information to their billing department themselves and they will not stop calling me or arguing with me about the and they lied and said that they had been waiting for me to call them with my son 's insurance information, I sent the insurance information to them in an email and they never responded and apparently never even bothered to charge my son 's XXXX information. They also continue to insist that they are not obligated to follow divorce decrees and indirectly threatened me by saying that by not paying this bill even though they know I dispute the bill that they will continue to report on my credit and that it could cause harm to my credit. Furthermore, the agency had already said that they would stop calling because they were not just calling me over XXXX but that they would stop calling for a XXXX XXXX or XXXX XXXX who they said my have had my previous number and seems to have violated her privacy as well. They did not stop calling and asked for both me and XXXX XXXX even though I do not know that person.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WY)

XX/XX/ I received a letter from Usbank that my child support that was on their reliacard will be closing as Wyoming was not going to be using usbank any more. I was incarcerated in XXXX XXXX at the XXXX  XXXX XXXX XXXX. I had contacted them with my caseworker so i could see how to received my remaining funds, they told me a check would be issued 5-7 days. I had called after several weeks had gone by because i had not received by check from my remaining balance of {$280.00}, they said it may have went to my old address they would trace the check. I received a slip that the facility had received the check the same time i had talked to them about tracing the check. I contacted them the next day with my caseworker, they said have the facility cash the check which they deposited it. I received a second check a few days after that contacted Usbank with a casework on XX/XX/ they said yes both checks where cashed and i know owed them {$280.00}, so i contacted my casework and we called my daughter in law to send them a bank money order to usbank so i would be doing the right thing and returning them the money, my daughter in law went to the bank that same day and got a bank money order for {$280.00} and sent it certified mail, but a few days later the money was pulled back off my account for check number XXXX i have been contacting them right after XX/XX/ to get my payment back they tried to say the facility had it but the facility worked with me and gave me the stop payment letter from the bank. The bank refused to send me my money back. I have tracking where my money order to them was signed by their employee, i have the stop payment from their check. I have emailed copies of all this numerous times to usbank employees, called numerous times, went into the Usbank. I went into the pinnacle bank which is what the facility uses and they have gave me copies of the stop payment so i had paid them back from one that they stopped payment so i wouldn't owe them and they are kept my money and wont return it!!!!! They wont even trace it to see that they stopped payment even when i have gave them a copy several times of the stop payment, XXXX XXXX is saying that usbank stopped payment and that is why they pulled the money off my account and usbank saying they didnt stop payment so im out because they cant figure it out after i provided all the documents from them both! I just want my {$280.00} back that rightfully belongs to me 3 years waiting is to long especially after notarized letters i have sent and the numerous amounts i have sent them documentation.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

In XXXX and XXXX of 2017 I had XXXX XXXX XXXX, and soon after that XXXX minor treatments, at the XXXX Georgia XXXX XXXX in XXXX. The total bill was close to {$12000.00}. I was given a verbal agreement of a 24 month interest-free promotion with Care Credit ( Synchrony Bank ). After paying the monthly installments for 12 months, I was assessed {$2600.00} in interest for the 16 months because I had not paid the balance off in 12 mos. I had initially been told that the promotion was for 24 mos. interest-free. 

I have made numerous calls to Ga XXXX XXXX, XXXX XXXX and Synchrony Bank with no resolution. Each time I have called the bank, I have spoken with a different representative who has expressed a different company policy. 

I have cashed in an IRA account to pay the balance off to further prevent the 26 % interest rate I am being charged. I would like the interest rate I have been charged for the las 16 months removed and credited to my account. I am a XXXX school teacher and receive a XXXX as income. I find this practice to be an example of predatory lending.
Consumer complaint received 2022-10-29
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. (AL)

The Credit bureaus stated my XXXX XXXX  Account # XXXX was properly investigation and verified and everything is was % XXXX accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) 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 reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (MD)

Hello I do my monthly payments for my credit card, I always make a payment way before the deadline. My 6 months with no interest was going to end in XXXX, I called to let them know Im almost done paying and I havent seen that they charge me for interest yet. The person who I spooked to told me I had until XXXX to avoid the interest fee, as soon XXXX hit they charged me with a big interest fee and I try to avoid it and I been there loyal customer and they wont make a one time fee acceptation. I made paid off what I owe and the balance I have right now its the fee they added to my account and Im trying to get rid of that fee since I made all my monthly payment and Ive been a loyal customer to them.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC (NC)

I took out a loan with Radiant Cash. I have had no issues paying back the loan. However, I have not way to validate the debt and the exact amount owed because their site www.radiantcashs.com has not been active. I am only left to communicate to the company by phone or email. I have asked several time to provide a formal document of the amount owed and pay off date. At this time I have had to rely on information provided by a representative which is not sufficient. As a consumer, I have the right to receive formal documentation of a debt that is owed including all associated charges and interests associated with the debt. 
XXXX-Email sent requesting debt information and balances. A response was received telling me the amount from a representative that I owe {$210.00}. The original loan amount was {$400.00} and this loan was taken out around XX/XX/2020. 

I attempted to call the number they provided XXXX and it is a non working number. I have also found out that this company has been recently involved in a lawsuit for deceptive lending.
Consumer complaint received 2021-10-25
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. (WA)

I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.