davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PNC Bank N.A. (MD)

PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX  XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. 

As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. 

This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. 

For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. 

After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. 

As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. 

Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well.
Consumer complaint received 2022-04-12
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. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2016-03-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?
Consumer complaint received 2018-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC (VA)

RE : CFPB Case XXXX - Need more information regarding current holder of purported debt, i.e. XXXX XXXX and Platinum Holdings. ( Need both companies please! ) The PDF letter from XXXX Will Not Open, I can not save it. I need another copy please! I need a contact name, address and phone number for XXXX XXXX from Platinum Holdings, and a file number so that I can investigate and obtain additional information to re-verify debt and proceed further. 

Information that I now have is " Incomplete '' and I request my Case number above be Reopened so that I can obtain information. 

Thank you! 
XXXX XXXX
Consumer complaint received 2023-03-09
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. (NJ)

Dear Consumer Finance, My account ( number : XXXX ) with XXXX is currently being reported as delinquent when the account is closed. I have reached out to the credit bureau to correct this, but I notice the information is not reporting accurately. 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.

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 an 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 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.
Consumer complaint received 2022-04-12
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX Account # XXXX Account # XXXX have 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 an account without my written instructions
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I made a payment of {$200.00} on my Bank of America credit card account ending in XXXX. The minimum payment due was {$160.00}. On XX/XX/XXXX, I made a payment of {$160.00}. the minimum payment due was {$150.00}. 

I have XXXX different types of balances : purchases at 14.9 % and cash advances at 24.99 %. According to Bank of America " Important Information About this Account '' on " How We Allocate Your Payments '', " payments are allocated to posted balanced. If you account has balances with different APRs, we will allocate the amount of your payment equal to the XXXX XXXX XXXX XXXX to the lowest XXXX balances first ( including transactions made after this statement ). Payment amounts in excess of your XXXX XXXX XXXX XXXX will be applied to balances with higher APRs before balances with lowers APRs. '' The XXXX ( ending XX/XX/XXXX ) and XXXX ( ending XX/XX/XXXX ) XXXX statements shows that Bank of America incorrectly applied the overpayment to the highest interest category. In fact, on the XX/XX/XXXX, the balance on the cash advance increased {$4.00} instead of decreasing by the amount of the overpayment, {$36.00} ). In fact, the balances between the interest calculation section and the Account Summary do not match.

There were no purchases and/or no fees between the payments. Bank of America has grossly misapplied overpayments on the account. 

Statements will not be attached as Bank of America will have copies of these statements.
Consumer complaint received 2017-08-28
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: Experian Information Solutions Inc. (MD)

In XXXX of 2017 I wrote to XXXX, Experian and XXXX  asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -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 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have endorsed this debt with Bank of America and then also disputed this debt multiple times with XXXX XXXX XXXX, yet they keep sending me harassment letters containing my private information that was sold to them by BofA XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent Bank of America an endorsement where I sent payment in accordance with UCC 3-601/3-111 in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm XXXX XXXX XXXX XXXX ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant 15 USC 1692g I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant 1692g ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.
Consumer complaint received 2022-04-12
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. (NJ)

On XXXX/XXXX/2022, I wrote Equifax and told them my father, and I have the same name and attached a copy of my ID and social security card to support the request that my name ONLY show on the report as XXXX XXXX XXXX. Here is the report sent to me where they asked me for the information already provided. I have very little confidence in their taking my concerns seriously! If my dad and I have the same name, what steps did they take to ensure that the inquiries were mine and not his? My guess is about as much effort as they put into seeing that I had already included the exact information they asked for and used not having it as justification to keep my report inaccurate and mix up my data with someone else 's.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I purchased furniture from XXXX XXXX XXXX, in XXXX XXXX, California on XX/XX/XXXX. However, the quality of the goods was extremely shoddy, and instead of receiving a good faith effort to work out an issue between XXXX XXXX XXXX and Syncrony Bank, I was threatened by XXXX XXXX Staff at the XXXX XXXX Location on XX/XX/XXXX, that I would be arrested and the furniture seized by force. I have tried to respectfully appeal to Syncrony Bank to rescind the remaining purchase balance because of these issues, to no avail.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC. (DC)

To whom it may concern : XXXX. The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX  Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Credit card XX/XX/XXXXXXXX  Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX 138 % {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I pulled my credit in the beginning of XX/XX/XXXX. I noticed a debt of {$1000.00}. ARS resolution trying to collect. On XX/XX/XXXX, I sent a letter to ARS account Resolution asking them to validate this debt by providing contract bearing my personal signature as well as procedures of service provided. On XX/XX/XXXX ARS resolution sent a letter that state the debt owe with no validation. On XX/XX/XXXX, I sent another letter : Failure to validate the debt- I receive a copy of the same previous letter. ARS resolution failed to validate the debt. 

I am asking for Validation, not Verification
Consumer complaint received 2022-04-12
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

in 2019 in XXXX my acct was brought out but XXXX for me to come over on the deal they had and gave them the info to pay and never was paid and now charging me
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}
Consumer complaint received 2017-08-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

I called customer service XXXX and asked why my Comenity store card for XXXX XXXX card was deactivated when I paid the account full and last payment was XX/XX/year>. I received no letter or email stating that my card was deactivated for no usage activity. I have had this card for several years and never had a problem and always paid my balance when recieved. 

I was at the store about to pay for jeans and the store clerk from the XXXX, IL store said my card was deactivated and I need to call customer service to get it reinstated. I talked to customer service and they were no help and then I talked to a supervisor and they said they can not reactivate my XXXX  card for XXXX days. I told them this was not authorized and they can not just deactivate your card from no activity since XX/XX/year>.
Consumer complaint received 2022-04-12
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-12
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. (FL)

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2020