davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NC)

I use an app called XXXX to help save money. It automatically pulls small amounts from my bank account but my bank- PNC has started a new program/ security role that doesnt allow second party apps to connect to your account. I understand its a security issue but this app is fully secured and it is a paid app to ensure security and promise of funds. I need my account to be connected again.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ray Klein, Inc. (CA)

there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (MA)

Charged off accounts # XXXX and # XXXX from Navient should be removed from my credit report. The accounts are over 10 years old. I honestly had no idea what I was signing for when I was told by the college to sign up for financial aide. I did not know they were private student loans. There was not full disclosure. Please help me have them removed.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I applied for service XXXX bundle package, home phone, wifi, and XXXX. I received a debt collection for home phone that is active with my service. I attempted to call to clear up wrong information and no such luck. I have a letter that states I am in collections for my home phone, but I am active with service.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On Tuesday, XX/XX/XXXX I stopped by the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I made a cash deposit of {$2200.00} at an ATM in the bank itself. The line had been long at the time and an employee at the bank had told me that I could use the ATMs to deposit large funds. The denomination of the funds were in XXXX XXXX XXXX dollar bills. As I placed the cash in the machine, the slot closed and the machine started to whir as if it were counting the money. However, the ATM printed out an error receipt and told me to speak to someone immediately and call the claims number. I immediately showed a woman working at the bank my issue and she escorted me to someone working at a desk and told me to sign my name. In the meantime, she helped me with my second deposit at an ATM terminal next to the one that had given me an error. At the second ATM, she deposited for me {$3800.00} in XXXX XXXX XXXX dollar bills. I followed both directions listed on the receipt and called the claims department and spoke to the employees at the bank. The claims department told me they would send me provisional funds equaling the amount that I attempted to deposit and follow up with an email. I did not hear from anyone in two and a half weeks until I noticed that my funds were removed from my account on Friday, XX/XX/XXXX. I followed up with several calls to the customer service department, claims department and a few individuals from the Claims escalation department. I was told the same thing, that they had concluded an investigation and checked twice but did not find my funds. This seems unfair as I had clearly made a deposit and one of the workers at the branch had seen me do so. I was not informed about the claims process and what it would entail along with the seriousness of the investigation otherwise I would have tried to gather more evidence. Instead, I was assured that everything would resolve itself. I had called several times on XX/XX/XXXX and XX/XX/XXXX about the issue and the customer service representatives had not informed me that the investigation was still in progress, a representative had told me that the provisional funds provided at the time were there to stay. On her words, I had dismissed the situation and thought it to be resolved so I had thrown away the receipt and moved on. On XX/XX/XXXX, I had visited the branch location to speak to someone who could help explain the situation but no one resolved my issue. In fairness, Chase had sent emails to me about the investigation to my primary email but the emails were tucked away in a junk folder. But the dismissiveness by some of the representatives proved to be jarring. I provided a time and date of my deposit to the employees at the branch but was told, at one point, by an employee that they had not investigated my deposit but rather another customer 's issue from XXXX.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc. (NC)

I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. 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 to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.
Consumer complaint received 2022-09-08
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)

XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 2017-10-23
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. (OH)

Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
Consumer complaint received 2015-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC (OH)

This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mcburberod Financial, Inc. d/b/a SeedFi (GA)

They have called me 14 times within a 7 day period. Often times they would call 2-3 times in a row. I was previously with SeedFi and then SeedFi was sold to them for them to handle debts. If XXXX was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and SeedFi never did this. I was drawn to the easy use of the website of SeedFi and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.
Consumer complaint received 2019-05-07
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. (GA)

I settled a loan with XXXX XXXX XXXX through XXXXXXXX XXXX XXXXXXXX. Account number XXXX. The agency agreed to remove the balance for one payment of {$6500.00} which was made in XX/XX/XXXX. XXXX left a balance of {$6500.00} on my credit files. I disputed this with the three bureaus and they left it on the file. This is a direct violation of the Fair Credit Reporting Act. A company may not reflect a status on an account with the bureaus that it knows to be inaccurate. 

There is no remaining balance owing on this loan as part of our settlement agreement.
Consumer complaint received 2017-10-23
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. (CA)

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
Consumer complaint received 2016-10-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Prosper Marketplace, Inc. (GA)

in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc (CA)

In XXXX me and my spouse sold a XXXX XXXX XXXX we we contacted a year later by XXXX XXXX XXXX XXXX XXXX i faxed them thew XXXX XXXX XXXX paper and they stopped calling last week the week of XX/XX/XXXXto XX/XX/XXXX from a company called lien enforcent, Inc stating we owe XXXX for the vehicle I then contacted them and told them we had sold the vihcle and faxed them the lean paper only to hear back from the same guy who contacted me to say it was not valid and that not to listen to the XXXX he threatens me and my wife and I want this to stop there number is XXXX please help
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank has reflected a balance of XXXX owed in my account, but it is still leading to negative reporting in early warning systems and check systems. On my check systems report it is stating that the account is unpaid. This reporting is hindering my ability to open another bank account. I have the right to request the removal of this negative reporting, as it does not accurately represent my financial situation. It is also preventing me from being able to keep my XXXX XXXX XXXX  account, the bank closed my account due to the negative reporting.
Consumer complaint received 2020-04-19
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. (FL)

There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (CA)

I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with  XXXX   XXXX  they told me I signed so I have to pay.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NJ)

I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX   refused to credit any fees whatsoever.

This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX  '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.

Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

The mortgage agent at Quicken loans told me if I give him my social security number and he ran my credit report, my report would go down a few points. It went down significantly more as a result of his inquiry. I asked the executives at the company to delete the hard inquiry on my account and they refused. The people who refused are XXXX XXXX XXXX XXXX XXXX XXXX Avoid Quicken Loans at all cost, because it will cost you if you do n't
Consumer complaint received 2021-09-07
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)

Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : Trans Union said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX