davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MA)

On Saturday, XX/XX/2022 I discovered I could no longer access my Marcus Bank ( an online bank owned by Goldman Sachs ) account either via the app or online. There was a message instead that I should phone the company, with a 24/7 phone number and so I called. I was on the phone for more than an hour with being on hold and back and forth between the agent and other departments until the agent informed me I had to call back on the following day, Sunday, XX/XX/XXXX. I asked them if they had hours on Sunday and they assured me they did and so I called again on Sunday XX/XX/XXXX, After another hour or so of being on hold and back and forth they informed me that I had to be on a three way call with all of my other external banks so that they could verify my ownership of those accounts. Now I had been banking with Marcus for years and have had several banks that were external banks listed on my accounts, and I had had these accounts verified the normal way either through XXXX ( a secure login process ) or via the process of small deposits that required verification. Never in all my years of banking have I had logins frozen and not been able to get in, after a phone call to verify my identity. 
They told me on Sunday XX/XX/2022 that I needed to be on a 3-way phone call with each of my external banks to verify ownership. However I had been on the phone with them at that point for more than an hour and didn't have any more time to be on the phone so I ended the call and called back today XX/XX/2022 during normal business hours. I was still on the phone and on hold for more than an hour ( and I am still on the phone and on hold ) and so far have not been able to get into my account and to transfer my funds. I am hoping that they will be letting me in ( I'm in it for the long hall although I don't have much time left today and have been on for quite a while ) but at this point all I want is to get my money out of that bank as soon as possible and close my account. 
This is beyond unfair practice to a customer- to not have a process for telephone authentication sufficient to remove a lock on an account, and to have an unreasonable process for external bank verification as well. As soon as I get access I will remove my funds from this account but I think Marcus bank needs to be " punished '' in some way for their lack of responsiveness, so that they do not treat customers this way in the future.
Consumer complaint received 2022-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

I applied and was accepted by PNC bank for HELOC. When I am ready to draw the funds from the HELOC they will not honor the rate shown on PNC 's official website calculator. The PNC customer services state the rate shown on their website is for new customers only and since my application has been approved, I am no longer a new customer. I felt they use the bait and switch method to get clients to sign up and then not offer them the best interest rate as advertised. PNC is not being transparent and upfront about their rate and did not disclose all the proper important information to their employee and their client. When I spoke with PNC bankers who specialized in HELOC, they were not aware of the difference rate between new and old clients. I just sign up for HELOC and have not drawn from the account yet so I should be considered to be a new client. From the date, my application was approved to today PNC is never upfront and transparent about the monthly payment, they want me to draw from the fund and finish the paperwork then wait one month later then I will be able to know the monthly payment. 

I signed up for a {$700000.00} HELOC on XX/XX/2022. 

PNC never disclose to me that the best interest rate is on the day of my signature which is the one and only day PNC will consider me as a new client. I have to learn that the hard way and this is something PNC local branch staff is not even aware of.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collection Agency : Portfolio Recovery Associates,  LLC Acct : XXXX Case : XXXX Portfolio could not legally prove they were the legal owners of this so-called debt. So legal proceedings they were pursuing against me were dismissed " WITH '' prejudice. 

Portfolio Recovery Associates replaced the first page of the Court Order to " dismissed WITHOUT prejudice '' After I signed the ORDER and returned it to them for filing with the courts. I was able to prove their deception and it was corrected with the courts to show dismissed " WITH '' prejudice.
Consumer complaint received 2022-12-14
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. (VA)

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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-10
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. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX have never had an account with this company PORTFOLIO RECOVERY ASSOCIATES , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PORTFOLIO RECOVERY ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-15
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. (WA)

I reviewed my consumer report, I noticed that there are inaccurate accounts and inaccurate information on my consumer report. The consumer reporting agencies never gave me the right to opt-out from sharing my information with such agencies, They never asked for my permission to furnish this information. They have assumed this vital role and have infringed upon my right to privacy by selling my data to a 3rd party debt collector, Pursuant to 15 USC 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. 

REMOVE ALL INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NY)

I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I reviewed my consumer report, I noticed that there are inaccurate accounts and inaccurate information on my consumer report. The consumer reporting agencies never gave me the right to opt-out from sharing my information with such agencies, They never asked for my permission to furnish this information. They have assumed this vital role and have infringed upon my right to privacy by selling my data to a 3rd party debt collector, Pursuant to 15 USC 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. 

REMOVE ALL INQUIRIES Inquiries/ Regular Inquiries/ Promotional Inquiries/ Account Review Inquiries REMOVE CLOSED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Please validate this information with none and provide me with copies of any documents associated with this account bearing my signature in absence of any documents bearing my signature i formally requst it be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that XXXX had purged my account from XXXX 's database which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and Carrington said they did not ask to have their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Consumer complaint received 2022-10-17
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. (NJ)

I have inquiries without my approval. 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
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX  to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc. (VA)

Received a phone call from XXXX XXXX saying he was with a third party trying to collect a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Their internal reference. # XXXX. He claimed to represent the firm McCarthy , Burgess , & Wolff. gave telephone number XXXX Ext. # XXXX. Their address XXXX XXXX XXXX, XXXX, Ohio XXXX, email : : XXXX I went and reported this to my credit union bank rep. He told me it sounded fraudulent to him and gave me info to report to FTC fraud dept. I have never lived or visited Illinois and have lived in Virginia all my life.
Consumer complaint received 2023-03-15
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. (MI)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-03-15
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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