davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. ()

Have an account with The Online PNC-Bank XXXX They urged me to pay USD XXXX just to open my account for intl. transfers to my account in XXXX. Then me mad the first transfer, but never the money arrived in XXXX. After XXXX days me got a mail from the : INTERNATIONAL TRANSACTION PROCESSING UNIT XXXX : and asked me to pay taxes USD XXXX. Wanted to pay them from my USD-Account, but they refused, they blocked my account and all the transfers were be sent back to my US-account. They threatende me with shutting down of my account and the bank said the same. The Ombudsman, said, that company is fraud. Don't know, but me have no money in XXXX to pay to them and the wanted me to pay to the PNC-Bank . That's very seldom because there are about USD XXXX. Please see the latest mail from that bank from today : " Re : Re : My account with your bank-no. XXXX XXXX XXXX- Wan na make intl. transfers, but that's not possible. - Tax-problem Well it seems you dont want us to get this done for you All you have to do is wait till the appointed day then you will notice that your account is gone and the money will be sent back to XXXX XXXX account and shut it down too I will order my staffs to notify XXXX about the XXXX update, her fathers account will be shutdown permanently soon Good bye since I wanted to render a help to you but I noticed you are not ready to comply So me will lost all my payments and the money of that account. Suppose they are frauds like the tax-company, but not sure. Please help me to save my money. Thank you very, very much for your help.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX... I have previously disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Consumer complaint received 2022-07-21
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I reached out to Conns by phone and email and never get the correct answer. When I call they tell me that they didn't report a 30 day late payment after the account was already close on XX/XX/19. They keep giving me the run around. On this same account they reported 30 days late after it was closed. They reported other 30 day late payments when I paid the minimum payment each month when I wasn't working.I need help to resolve this. They reported me 30 days late on XX/XX/19 when the account when already close on XX/XX/19.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (DC)

Good morning, I have recently submitted, per US UCC Code 3-104, a notarized negotiable Instrument to Navy Federal Credit Union , to settle the Auto Loan. Sent in a certified letter ( attached ).

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Navy Federal Credit Union used in order to give me the Auto Loan ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Navy Federal Credit Union is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Net Pay Advance, Inc. (CA)

I updated my bank account to XXXX XXXX XXXXXXXX but they sent it to wrong account to a previous account I had and I called and asked them to stop and they said nothing cant be done but they say nothing cant be done.
Consumer complaint received 2022-06-13
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. (FL)

I HAVE FRAUDULENT INQUIRES ON XXXX, XXXX, AND EXPERIAN THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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)

I HAVE FRAUDULENT INQUIRES ON EQUIFAX, XXXX, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

My credit card was skimmed / stolen and there were many fraudulent charges on my card. Barclaycard US identified the charges as fraudulent and removed them from my account. 10 days later the fraudulent charge posted. I called to get it removed, so they credited me. Then they posted the charge again. So I called again. They removed it once again. Then it posted ... again. So I called and they removed it ... for a third time. Then the charge posted once again. I have called 7 times and no one will help me resolve this issue at Barclay and it is incredibly unfair I am being charged for a fraudulent charge. Barclay has acknowledged that I should not be responsible for the charge but they still will not remove it even after they say they will and I have no idea what else I can do at this point which is why I am filing this complaint.
Consumer complaint received 2017-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a up billing dispute with Bank of America on XX/XX/XXXX in the of {$390.00}, that check being received and cashed on XX/XX/XXXX, with Bank of America placing a stop payment on the check, due to a previous negative balance on business account ending in XXXX. Issuing out a new check with a offset remaining balance of {$310.00} check number ( XXXX ). Bank of America has stated the check was issued with a letter giving the reason for stop payment and along with a new cashier check to the address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. In which the check was never received by me ( XXXX XXXX XXXX ). 
After speaking to Bank of America they claim a cashier check was issued on XX/XX/XXXX check number XXXX in the amount of {$310.00}, which is inaccurate. I have escalated the issue with several Bank of America departments. Billing dispute, official items and risk closure, and fraud department, and none have been able to resolve the issue and reissue a new check for the balance of {$310.00}. 

After speaking with a Bank of America associate in the fraud department on XX/XX/XXXX, she recommended opening a fraud claim. After opening the Fraud claim and receiving a Fraud statement letter, to which was required to process the claim. The fraud statement was signed and notarized and faxed to Bank of America fraud department XXXX Several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After speaking to a Bank of America associate on XX/XX/XXXX, the associate stated no documents were ever received, and the associate opened a escalation to retrieve the documents. On XX/XX/XXXX, a Bank of America associates stated claim was denied in XX/XX/XXXX, reason : fraud statement never received. I have also forward the fraud statement to the Bank of America associate handling the fraud claim : XXXX XXXX at XXXX and also the fraud department XXXX. 
All emails were provided to me by an fraud department associate
Consumer complaint received 2023-03-20
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: AmeriCollect (WA)

AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Reporting the following ( less account info here for privacy ) to the credit bureaus on my behalf without the written instructions of myself the consumer. I have no relationship or agreement with the company named above, therefore, they do not hold any permissible purpose for claiming or reporting this information. 

I am filing a report of identity theft against Americollect. Re 15US Code 1681b Adt'l info regarding fraud : LOAN TYPE : COLLECTIONS AGENCY/ATTORNEY DATE UPDATED : XX/XX/2023 BALANCE : {$580.00}
Consumer complaint received 2022-07-21
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. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2024-02-29
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. (FL)

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

RESIDENT VERIFY XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Equifax created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Equifax. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Equifax is disclosing is forcing me to lose confidence in the banking system because of Equifax credit reporting methods.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

CITIZENS BANK is the institution that I want to file against. They Debt collecting team put an unauthorized lock/freeze on my checking account on XX/XX/2022. I was not able to purchase food and supplies for my XXXX XXXX XXXX XXXX children. I was told my account could not be unlocked until the next day. I was in the middle of XXXX XXXX, XXXX enjoying family time with kids and I couldn't pay for anything. I am highly upset and disappointed with this bank because they also charged me 4 separate times for over draft fees in which I talked to a gentlemen and told him that money will replenish by the XXXX of XX/XX/2022. He told me thats fine and they would not charge me anymore. 

In recap I was charged a total of about {$120.00} in over draft fees. 

Also they were in violation of the law by locking my account without my permission. Which is up to {$1000.00} fine in damages.
Consumer complaint received 2022-06-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACS Education Services (MD)

Debt collectors at ACS have been predatorial in their behavior toward my girlfriend, XXXX XXXX, repeatedly calling in morning and night hours hounding her to pay bills they claim to be past due ( even though they aren't ) after her father passed away six months ago.

Even after mailing them the death certificate, setting up direct deposit and taking the necessary steps needed to reasonably deal with the loan, the collector continues to call and not recollect these conversations after repeatedly being told the same thing. 

The language this debt collector has been abusive, misogynistic, hurtful, and abhorrent in every sense of the word. It's one thing to try and talk down on others, it's another to make light of a family member 's death. The debt collector should not be allowed to be employed by ACS or any other credited financial institution.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

deposited a XXXX check from XXXX as I filed a compaint with CFPB against them for failing to pay me {$500.00} now I am trying to deposit that XXXX check made payable to me to directly to BOA. i deposited this bank check on XXXX. 

now i find out that BofA has the gull to hold on to that deposit for two weeks untill XXXX. 

i am now deciding wheather to close this account due to ourragious hold times. 

are they kidding? do they really want customers to stay with BOfA for XXXX XXXX hold times? 

they are already have a discrimination complaint from me CFPB are investigating. so this is obviously retaliation for that complaint.
Consumer complaint received 2017-09-18
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. (MS)

Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXXXXXX XXXX. ACCOUNT # XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX LXXXX XXXX. Account # 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.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE FRAUDULENT INQUIRES ON XXXX, TRANSUNION, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit purchased a fraud account from XXXX XXXX. Date unsure. Recieved my first collection letter from Midland early 2021. Collection call from Midland explaining fraud. Sent a certified letter to Midland XXXX explaining my ID theft after midland threatened a court case; included was a victim restitution form from the city of XXXXXXXX XXXX. I have the Receipt of the certified mail i sent to Miadland Credit Midland continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.