davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (VA)

One of the leading Credit union in DC area ( Penfed ) is misleading the consumers on the credit card promotion. I have called them couple of times and explained the situation but they have refused to provide with the {$100.00} credit for spending {$1500.00} in first 90 days. 

Here is the chronological order of events. 
I applied for the credit card on XX/XX/XXXX and I got an email on XX/XX/XXXX that my credit card was activated. I reached back to Credit union immediately that I didn't receive the credit card and wanted to make sure it was not stolen and activated by some one else. I was informed that the credit card was mailed on XX/XX/XXXX and due to postal delays etc, I was not able to activate the card until XX/XX/XXXX. 

I waited till Mid XX/XX/XXXX to see if I will get the {$100.00} promo applied, I called Penfed and the customer representative informed me that I met the condition and it will be applied in couple of weeks. So I waited and called them back in XX/XX/XXXX and opened a support case ( XXXX ). That's when I got the message from penfed that I didn't qualify and the previous representative didn't check my information correctly. 

So when I pressed for more information about the why my {$100.00} promo was rejected by penfed. I was given XXXX of the weirdest explanations that 90 days count from the date of the application approval ( aka XX/XX/XXXX in my case and ended on XX/XX/XXXX ) and that I only spent {$1400.00} dollars about 90 $ short of {$1500.00} goals. The advertising is very deceiving. I was surprised that that they consider application approval as account opening date, I never had a credit card company that considered a card is open until the physical card is activated by the consumer. 

I have spent more than {$1500.00} threshold by XX/XX/XXXX ( aka XX/XX/XXXX XXXX email of approval ) and if you go by the credit card activation which was XX/XX/XXXX till XX/XX/XXXX, I have spend lot more on my credit card. So I requested the Penfed to honor by {$100.00} promotion reward and they rejected it. 

so I am asking CFPB organization to support innocent Customers like me and many of our armed forces who rely on penfed for there financial needs.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Auto Title Loans, LLC (AR)

XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (NJ)

PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.
Consumer complaint received 2017-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent this letter to Capital One disputing the account listed below and another capital one account which was opened on my behalf but not by me. Capital One sent me a letter stating the account was fraud, it only included one account they both are fraud and should be removed from my credit file. I attached the letter from Capital One. XXXX XXXX XXXX, NJ, XXXX SSN : XXXX | DOB : XX/XX/1984 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Capital One Account Number:XXXX Provide Physical Proof of Verification : Unverified Account
Consumer complaint received 2018-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My wife XXXX XXXX has been dealing with BofA for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MCCUE MORTGAGE COMPANY, THE (CT)

The cares act was provided to assist mortgages during XXXX, COVID pandemic. I worked with McCue to try and pay the mortgage despite the struggles of getting COVID, working in an XXXX XXXX XXXX XXXX which was greatly impacted. In attempting to get a new mortgage I realized that I was being charged late fees during this period that I was not supposed to be charged as I struggled to make payments. In XXXX after trying my best and running 60 days behind I took the option of filing for the COVID forbearance. During that period from XXXX to early XXXX I was not charged the late fees. 

This was reported to the credit bureau, I am in the middle of selling the house and attempting to get a new mortgage. Due to the charges incurred I am not able to secure a mortgage. I attempted to resolve this with McCue and I received an email that I was offered the forbearance before I actually applied therefore they are not able to remove those charges. Based on what I read about the Cares Act and consultation, I am making this report to gain a resolve with McCue Mortgage.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (WA)

An account for Resurgent/LVNV Funding LLC appears on my credit report as a collection account with a balance of {$1500.00}. 

On XX/XX/XXXX, LVNV Funding LLC entered a judgement against me in the original amount of the debt, {$950.00} plus interest, fees and costs for a total of {$1300.00}. I had never received a subpoena from anyone. 

On XX/XX/XXXX a writ of garnishment was entered. Garnishments were taken from my paychecks until XXXX, XXXX and the judgment was settled. My paychecks were garnished for 6 weeks until the FULL balance of the account was paid. On XX/XX/XXXX, judgement was answered on the Writ of Garnishment. The balance was satisfied and the case was closed. 

Today, XX/XX/XXXX the account not only appears on my credit reports, the balance continues to be reported and has even gone up. I have disputed the account several times, but the issue is never resolved. I have never received verification of the debt.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX  between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX  and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

XXXX Submitted dispute ( # XXXX ) with XXXX regarding Negative Charge Off information on my credit report through XX/XX/XXXX. The status " Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX '' listed on my credit report is inaccurate. The status should be included in bankruptcy filed XX/XX/XXXX and discharged on XX/XX/XXXX XXXX XXXX notification that the dispute " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XX/XX/XXXX ; Called ( XXXX ) XXXX to discuss with company. Transferred multiple times within the company. They were clueless and did not know what to do or who to call for the issue. Finally, I found XXXX in Conn 's recovery who told me to call my lawyer for a case that has already been completed.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I have tried for nearly a year to resolve this matter directly with Target however they have taken an impossible position and continue to create a worsening credit situation and increasing debt for truly an unjustified position. Therefore I am reluctantly forced to appeal for your help. 

To summarize : When I moved in XX/XX/2019 it took some time for the mail forwarding to catch up to my new address AND somehow during that time my auto pay ( which had been set up on this card since the date of opening ) was canceled. In XX/XX/2019 I made a purchase at Target and had a balance owing of {$19.00}, I have since been charged a {$40.00} late fee per month and my credit score has been ruined by Target. When I realized the problem in XX/XX/2019 I paid off most of the merchandise balance, Paid $ XXXXand then again in XX/XX/2019, XXXX : {$80.00}. But they applied those payments towards Late fees so I could never catch up. 

I tried on numerous occasions calling Target and explaining my position. But they would not fix the problem and continued charging me $ 40 monthly late fees. The balance is now over {$340.00}, and my credit scores are tanked. I live on SSI income and am in no position to ever be able to dig out from under these exorbitant fees.
Consumer complaint received 2022-09-12
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. (MD)

My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-31
Product: Credit reporting 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)

i will never but never do business with XXXX XXXX 
this company is a living XXXX. 
i disputed muti times with all credit agency they go back and state i have a balance i already paid this account last month. so the company states there is a balance i will include the XXXX sheet. Please follow up with all XXXX-credit reporting agency. 
Please update or remove the account for corrupt.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXK XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (MO)

This is the fourth time I have disputed this. I have not received or heard anything from AARGON Agency. The credit bureaus responded by saying verified. HOW! When this was XXXX in bankruptcy. Transunion indicates balance XXXX and the account status paid. XXXX  indicates the balance is {$290.00} and the account status is derogatory. XXXX  has not reported in the comments chapter XXXX bankruptcy. It appears per the credit report that this company is still trying to collect on this debt. Also, the date of the last activity is completely off and not reporting accurately. Per the FCRA my rights have been violated because this is not reported accurately or Fair.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2020-07-16
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. (GA)

I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (FL)

The company continuously calls me, repeatedly all day long and leaves multiple voice mails all on the same day. Last I checked, according to the Fair Debt Collections Practices Act, once you leave a voice message, that's considered a contact and you may no longer call me for the day. Either way, its harassing, especially while I'm at work, and gave no permission to contact me.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (SC)

I've been trying to dispute matters with the student loans XXXX, SC State and Fedloan inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and Fedloan because this is inaccurate information.
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$570.00} XXXX XXXX  XXXX {$940.00}