davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (TX)

I received a letter from Lendmark giving me an offer of {$3100.00}. I called towards the end of XXXX spoke to the manager XXXX XXXX. She offered me options but did not want the letter offer code. She later said I did not qualify but they would honor any letter that Lendmark sent to me. This particular letter had an expiration date that passed so they could not honor it. XXXX XXXX told me that if they send me another letter in the future that they would honor it. 

I did receive another letter from Lendmark giving me an offer of {$2900.00}. I called the local office on XX/XX/XXXX. is spoke to the manager but she did not want to honor the promo code. On XX/XX/XXXX, I put the offer code on their website ( lendmarkfinancial.com/personaloffer ). After doing so the website result stated that the promo code expired. It is not supposed to expire until XX/XX/XXXX. 
It appears that Lendmark is using deceptive trade practices and does not stand behind it's offers.
Consumer complaint received 2022-04-28
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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.
Consumer complaint received 2023-04-04
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. (LA)

privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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 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 2023-04-03
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on Trans Union. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through them?
Consumer complaint received 2023-04-03
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. (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. 

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 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 2021-06-06
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. (NY)

As a consumer XXXX XXXX XXXX XXXX and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The XXXX  XXXXXXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative
Consumer complaint received 2024-02-27
Product: Credit reporting 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 a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX or the credit bureaus.
Consumer complaint received 2022-01-11
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: CITIBANK, N.A. (TX)

In XXXX of 2020 an unknown person opened a XXXX account and used my credit card information. This individual racked up nearly {$500.00} in charges on this XXXX account across multiple transactions. 

I opened a dispute for each of them believing the ordeal was over because no further correspondence was received. 

If you look at the shipments associated with the fraud they were not sent or received in the state which I reside or any other transactions for my credit card had been used further suggesting fraud but Citi ignored this. XXXX responded to the chargeback stating that per the XXXX terms and conditions I was required to report fraud within 15 days or accept the charges. Citi failed to properly notify me of the response and accepted the explanation that a 3rd party accepting the XXXX Terms on a new account should bind me to the XXXX Terms and Conditions Citi accepted this response and applied multiple charges to my account effectively reversing their conditional credits. I was later told that I didn't receive notice via mail due to being enrolled in Paperless Billing. If I go to the Citi Dispute Center most of the chargebacks don't show up and none of them show the outcome. 

This is deceptive trade practices designed to give merchants the ability to use automatic chargeback responses as a way to get a small percent of charges to stick. Citi in turn unfairly profits from the fraud. 

XX/XX/2020 - XXXX - {$48.00} XX/XX/2020 - XXXX - {$1.00} XX/XX/2020 - XXXX - XXXX XX/XX/2020 - XXXX - {$36.00} XX/XX/2020 - XXXX - {$370.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC (NY)

I've been contacted at least seven times by call from " No Caller ID '' who calls and immediately hangs up. They then leave a message that seems recorded, saying they are from FCR services calling to collect my debt and that I need to pay my outstanding balance. They do not say my name or the amount I supposedly owe. They then proceed to give the phone number : ( XXXX ) XXXX and the website paymybalance.com. Yet when they leave a voicemail, I can see the number they are calling from. They have used the numbers : ( XXXX ) XXXX ( called on XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 ) and ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ). Another time they called, I was able to answer before they immediately hung up so they couldn't leave a message. Today I started receiving text messages from XXXX. In the text message, they include a website to find more information at XXXX. Not only are they calling about a debt I do not have. They are also impersonating a real debt collection company. The website and phone number for FCR Services are different than what they leave in the voicemail. Even the website to pay the balance to the real FCR Services is different. The fake website to find more information is obviously fraudulent and clearly a scam website.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MD)

Affirm  along with XXXX, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from affirm. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Consumer complaint received 2022-04-29
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 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 that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

I had opened a checking account with PNC Bank. On XX/XX/XXXX, I tried to close the account. I chatted with a PNC service rep online to close the account. He sent a link that didn't work. I explained to the rep and finally could submit the closure form. So far the account hasn't been closed and the bank has charged fees. Hence, the account is in a negative status and when I tried to contact customer service, I was told, I have to make the account as XXXX or positive balance before it can be closed. I explained to the rep that on XX/XX/XXXX, the account had a XXXX balance when I first requested to close the account and filled the form. The rep said, he/ she can't help. Hence, I am reaching out to you.
Consumer complaint received 2022-08-11
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)

Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (PA)

I applied for XXXX XXXX checking account on the XX/XX/2021. The account application was successful according to the multiple representatives I have spoken to. I have called in multiple times for the status of the account. 

Till date, I have not been able to access my account and each time I am given reason of " engineering team is looking into my issue. '' This is not acceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX changed the terms.. The bank is not able to give me access to my account and I feel like it is literally dragging the process so that I may not get the promotion.
Consumer complaint received 2021-11-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (CA)

Previous complaint # XXXX in violation of Regulation F Debt Collection Practices CFPB XXXX Barred debt XXXX. Normally forward to FTC for the Various Violations and misrepresentations .CFPB XXXX practices under section XXXX XXXX - XXXX XXXX. Company did not address, bringing or threatening to foreclosure action on time barred debt to be codified at XXXX C.F.R, XXXX ( b ) .The provision prohibits XXXX from initating or threatening to bring a time barred collection action.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

I tried to refinance my house to pay off my bills with several companies and it did not work so I stopped. XXXX company was Amerisave. The guy I was dealing with sent me 4 big thick paperwork books to sign containing my personal information and sending me many emails. I told him to stop and it did after I called supervisors. A month ago I started getting calls from different people at Amerisave about refinancing my home. They would call me at XXXX or so and I would ask them to stop. They did not. So far I have had 5 or so calls from different ones about refinancing my home and I explain to them to stop but it has not. I called them back and asked to speak to supervisor but he would not answer his phone. I am retired and I am XXXX XXXX XXXX retired XXXX XXXXr and state XXXX XXXX and I worked shift work for many years and I do not want to be woke up at XXXX in morning and since I have told them I do not want their buisness no more. I need help to get this refinance buisness to leave me alone and stop calling me. There is no telling how many other people they are doing this to. I would appreciate your help in this matter. Thank You.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX XXXX I received an email refund confirmation from XXXX for a {$10.00} item credit transaction to be posted to my within 10 business days. The original purchase was made on XXXX on XX/XX/21 using my BOA debit card. I had closed my BOA checking account prior to the credit posting and Bank of America cant locate where my credit went. XXXX confirmed that the credit was not returned to them by Bank of America and that the transaction could not be returned by Bank of America. I believe its in a held account with Bank of America since I had closed my account. BOA would not open a Regulation E claim for the missing deposit on the closed account. They kept telling me they couldnt help me because my account was closed and transferred me multiple times to different departments.