davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy  of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not  furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX03 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C/C Financial (NC)

XXXX asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting informatior you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A. (IL)

Prior to going into the dealership-XXXX XXXX in XXXX XXXX- I completed an application with XXXX XXXX XXXX XXXX and was pre-approved at 3.73 %. I informed XXXX XXXX of this prio to agreeing to them running my credit. I approved them running credit to see if I qualify for financing through XXXX at 0.00 percent. They told me that I didnt qualify for XXXX finaning. They then told me that PNC was the lowest offer for financing at 4.88 %. I mentioned again of XXXX XXXX to them at 3.7 % they proceeded to tell me that XXXX offered 5 %. and that PNC was lowest they could get me. After getting home I called XXXX XXXX to confirm. Well, XXXX confirmed the 3.73 % rate and that this rate was given to XXXX XXXX. So, I requested the dealership cancel the contract with PNC. They told me they are looking into it and will get back to me. It has been two weeks and no response. I have called PNC directly to discuss this issue. When I go online to research PNC rates, they also have rates lower than the 4.88 %. I am confused frustrated and very upset that I have been unable to resolve this issue on my own. I have made countless calls, visited the dealership again in person to discuss. I had gotten nowhere. At this point I want to return the vehicle because I do not want to continue a relationship with the dealership. I would like my contract cancelled effective immediately. I text the manager XXXX at the dealership this request in writing.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Siggi LLC (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I disputed an error to Experian Credit Bureau regarding the amount owed on one of my accounts ( XXXX XXXX XXXX XXXX  ) which is reporting inaccurate information on amounts owed. They reported {$9900.00} However the amount should be much less. I have being paying on this account for the last XXXX years since XXXX of {$190.00} per month. The original amount was {$10000.00} at around 15 % interest and very little has been reduced. There is also the issue surrounding not being able to use the timeshare during the pandemic and that this account should not be reporting late payments based on my complaint about not being able to use the facility during the pandemic months and during which should be wiped out. I notified the creditor XXXX XXXX that this is possibly a violation against me as a consumer rights to not be able to use the facility but they still charge me and refuse to credit me since I wasn't able to use it during the pandemic months but instead they reported me late on payment. 

Based on these facts, I submitted a dispute on XX/XX/XXXX regarding XXXX XXXX 's inaccurate reporting. Experian took past 30 days to investigate and respond.to my complaint. When I notified Experian they should delete the account belonging to XXXX XXXX for investigating the dispute past 30 days they did not adhere. I am attaching evidence showing the time I opened the dispute and the time the got me the results. This should be removed from my credit according to FCRA rules consumer reporting act.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 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 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX/XXXX is reporting five student loans on my Transunion and XXXX as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with Transunion and XXXX, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
Consumer complaint received 2022-02-28
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. (IL)

WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, EXPERIAN, AND XXXX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE XXXX MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, CRRG 3-4, AND XXXX XXXX ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.
Consumer complaint received 2021-02-08
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXThe following addresses are not mine please delete/remove them:XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
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. (CO)

Experian credit report shows collection account with XXXX XXXX with a status of paid for a XXXX XXXX bill. I never had any contact or transactions with XXXX XXXX and I never received or paid any bill from them. I received a bill from XXXX for an overdue bill that was sent to my old address after I moved even though I continued to have service with them at my new address and the accounts were supposed to be linked. I contacted customer service and they fixed the linkage of my accounts and corrected the late payment.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (PA)

Called and explained that I was not paying a 2 year cancellation early fee because it was not in my original verbal contract and that they needed to send the postage and boxes for the return of the equipment that they wanted back for the services that didn't work properly from day one.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (CA)

On XX/X/2017 I traded my car in that had an existing loan with Wells Fargo Dealer Services. I was never late with that loan, paid extra every single month and directed all over payments to be put into principal ... ..that was never done. I have a fico score of XXXX when I applied again thru Wells Fargo Dealer services for a new loan on a XXXX XXXX XXXX. Wells Fargo, knowing my excellent history with them denied my loan on application no XXXX ... .the dealer submitted my application and was just as astonished as I was to be denied. Further, I have a fraud alert on my account, Wells Fargo never phoned me to inquire about the alert. The denial is based on pure prejudices. I have no late payments at all for over 6 years. They said they denied ( without observing the fraud alert ) on : 1. Age of past or present credit experience ( did not bother them previously ). 2. Excessive number of trades recently opened ( what does excessive mean? more than one? ). 3. Lack of trades reported recently (??? ). 4. Insufficient revolving credit limits. All of this is so wrong, but mostly, my history with Wells Fargo shows my loan and payments were not handled properly by Wells Fargo. They were not applying over payments to principal, they just would keep reducing the amounts of my future payments. Mostly, denying my loan when XXXX approved me, XXXX XXXX ( which I have the loan with ) approved me, and 2 others approved me. Wells Fargo has a terrible reputation, but something is seriously wrong with their judgement.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: United Revenue Corporation (TX)

I was advised by XXXX on XX/XX/23 that there are addresses and a name that is considered valid per a debt collector United Revenue Corp . The company United Revenue Corp is unwilling to provide supporting documents, reflecting this information is valid. The representative i briefly spoke with on XX/XX/23 advised XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX XXXX provided this information she does not know where they got the information from or if documents were provided reflecting the name & address they are reporting to United Revenue Corp . This company has provided the incorrect name/ addressed in regards to collecting a debt to all three credit bureaus. I have a lease and ID, showing my physical address that is where i reside now. I have not lived, or used the address reflecting on my credit. This information is not valid and will need to be removed from my credit report. I filed disputes and was advised it can not be removed as a creditor has provided the information.
Consumer complaint received 2021-08-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portfolio Recovery Associates was contacted on XXXX XXXX dispute inaccurate information with them. They re-aged my account for a date XXXX XXXX stating thats when I opened the account which is illegal under FCRA.
Consumer complaint received 2017-11-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I had 2 checks stolen from the United States Post Office. Check XXXX was meant for the XXXX Treasury but was white washed and deposited at a XXXX bank to XXXX XXXX. The check had a forged signature, comma in the wrong place, a date for over a year ago, and the institution put no identifying marks on the back when deposited. 

Check XXXX was for the PA dept of Revenue and was white washed to a XXXX XXXX deposited at a XXXX XXXX location. 

Check XXXX was white washed again and made out to XXXX XXXX and deposited at a XXXX XXXX. 

I have notified the local police, FBI and XXXX. There is a special agent from the XXXX XXXX office assigned to the case ( XXXX ). He has asked for records and surveillance footage from these banks but they have not yet replied. 

PNC bank which is my financial institution has handled this horribly. They keep trying to close out the fraud claim on my account so law enforcement cant reference it. I asked for the account to be closed as soon as I found this happened but they allowed another two checks to be cashed from this account and never cancelled the debit card associated with the account. They then proceeded to sent me MORE checks for that account in the MAIL which is how this happened to begin with. They wont let me just talk to one person about this in the fraud department. They make me call the main hotline and I talk to a different person every time. Theyre also costing me money to prove the fraud- they keep sending me pages to fill out that need notarized and sent to another institution that is in Kentucky. Its impossible to find notary services at most branches and each signature costs XXXX then another XXXX to mail them images they should already have because I had to request them in the first place bc they are not on my e-statements. I think they are just dragging their feet and hoping that I drop the issue. 
Also, every banker that I have talked to has said there is absolutely no way these checks should have cleared. PNC is taking no responsibility and doesnt seem to be leaning into these other institutions for answers. Theyre going to be having more claims coming because according to the special agent, thousands of checks were found in criminals homes in XXXX and they are selling the info on the dark web.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citibank falsely claimed in a response to CFPB complaint number : XXXX, advising the {$15.00} statement promotional credit that was acknowledged in the Citibank response letter to the CFPB, claiming that I qualified for the promotion. The letter stated it would simply post to my account in " 1 to 2 billing cycles ''. Well, 2 billing cycles have occurred, which are XX/XX/2021 and XX/XX/2021.