davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MI)

This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX  XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. 

This mishandling has created a hardship for XXXX  XXXX  operation. 

I don't believe PNC was acting in good faith. 

Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. 

I do have specific dates and times that I can refer to regarding this matter.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company ( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AR)

AMEX Serve card locked me out of my account. I was sent an email stating my account was being suspended minutes after a direct deposit had been made. I have spent hours on the phone and they refuse to even discuss it with me and their only response is to give me a PO Box to write to. I have no idea why they have done this. My rent money had just been deposited onto that card minutes before they did this.
Consumer complaint received 2023-01-30
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. (KS)

I have collection accounts on my report ( s ) that don't belong to me. My information is being used incorrectly by the reporting agencies. I don't recognize any of these accounts and i did not authorize these companies to use my personal information. I believe i have been a victim of identity theft or fraud. I am a natural person, I am a living human being, I have rights under 15 USC 1681. The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.
Consumer complaint received 2017-08-08
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: Experian Information Solutions Inc. (WI)

I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,
Consumer complaint received 2017-10-19
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: Bread Financial Holdings, Inc. (KY)

There are many inquiries on my XXXX credit report I do not recognize some from XXXX XXXX, XXXX XXXX, Commenity, and XXXX XXXX XXXX.
Consumer complaint received 2020-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (PA)

On XXXX XX/XX/2020, I submitted an electronic payment to XXXX XXXX XXXX XXXX in the amount of {$150.00}. It was almost immediately removed from my account. By XXXX XXXX, the payment had not yet posted. I called and spoke with a supervisor named XXXX, who advised me to send in documentation about my submission of the payment. 

On XXXX XXXX, I called to follow up and spoke with a representative named XXXX. XXXX told me the company would take " a couple of weeks '' to " get around to it. '' That is an absolutely unacceptable, opaque process, particularly for an electronic payment in 2020.
Consumer complaint received 2020-05-07
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. (AR)

I've been in touch over the past few months with the credit bureaus in regards to accounts appearing on my file that were established with my consent. Transunion continues to report fraudulent account ( s ) ( XXXX XXXX ) which was included in my identity theft report. For some reason this account still remains on my credit file without any accurate verification as per required from the Fair Credit Report Act not to mention it has been well beyond over 30 days. I have yet to have receive documentation form Transunion obligating me to the account mentioned above. I find this as a complete violation of the FCRA and my consumer rights. This account should have been blocked within 4 days of receiving my dispute. Transunion must adhere and be held accountable for their actions.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2017-08-08
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. (GA)

Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2020-05-19
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. (CA)

XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except Equifax and XXXX. 

We would like Equifax and XXXX  to remove this late remark from both our credit reports since it is affecting our credit.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (LA)

This account was cancelled on XX/XX/2020. I have called several times for a refund and for my account to be cancelled. They are stating that it will take almost 30 days to cancel and refund my account which is unacceptable. I DO NOT HAVE ANY OF YOUR MERCHANDISE. CANCEL MY ACCOUNT AND REFUND ME MY MONEY
Consumer complaint received 2017-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have errors and inaccurate information on my TransUnion Consumer Credit Report. I have disputed these accounts as being inaccurate, and TransUnion had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services (NY)

On XX/XX/22 and XX/XX/22 I went to the Mercedes Benz of XXXX XXXX XXXX  with a pre approval from XXXX XXXX XXXX. I informed the dealer of this, although they are a participating dealer they didnt seem to understand this however I think that this was a tactic to get me to apply through Mercedes Benz for a loan. I informed them I didnt want to apply for any other car loans as I already had a pre approval. The finance manager submitted my credit application to several car loan companies without my agreement. I specifically told him that I did not want to do this. I was under the impression that my credit application was only going to be submitted to XXXX XXXX. As a result I have a number of inquiries on my credit file. I would like for them all to be removed : Mercedes Benz Financial, XXXX XXXX XXXX XXXX and XXXX XXXX loan applications were submitted without my knowledge.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION (DE)

I went to XXXX XXXX for a week between XX/XX/2022 and returned on XX/XX/2022 on XX/XX/2022 my WSFS Debit card was frozen because I was spending our of my local area. I was unable to view the account online. I called and verified the current charges on the account and the account was made available. I returned home and went to use my WSFS Bank card on my phone and discovered it was compromised I was not aware that I had lost my card. Unauthorized Charges in the amount of {$9600.00} were billed to my Debit Card on the XXXX, XXXX, and XXXX I was not aware my card was missing because I often use my phone to tap transactions and in that instance my PIN number is also used. I received a letter from WSFS Bank on XX/XX/2022 stating that the disputed transactions were not going to be reviewed and that I was responsible. I spoke to the Customer Service area and was provided transactional info and merchant phone numbers. 

XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX separate transactions {$2300.00}, {$500.00}, {$400.00}, I called the merchant and was advised that he spoke with the security department of WSFS Bank ( XXXX XXXX and advised that there was Video Footage and receipt detail and he informed her on how to get the detailed information. XXXX XXXX XXXX XXXX called me back on XX/XX/2022 and informed me that no one from WSFS has reached out to the Loss Prevention area of XXXX XXXX to request the information. 

There were also two XXXX charges also on the same post date XX/XX/2022 {$1000.00} and XXXX, I spoke with the general manager XXXX, he informed me that he had spoke to someone by the name of XXXX at WSFS Bank and provided him the information that an ID was present and and a receipt was available. However this transaction was processed after I was already in Delaware. But no one at WSFS is trying to help in this instance I did speak with XXXX 's XXXX, XXXX XXXX and she is of no assistance either I have also sent information to XXXX XXXX of WSFS Bank in the last four days and I have received not response. XXXX XXXX informed me that she would not open the dispute and advised me if I wanted the merchant receipts that I should go into a WSFS Branch and request them. there are many more transactions processed on the same date they include over 50 transactions and a total of {$9600.00}. I have also filed an online police report with XXXX XXXX, Nevada and I have listed all charges.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple requests for Experian to remove the fraudulent addresses due to identity theft and they continue to deny my dispute AND CONTINUE TO VIOLATE THE LAW ILLEGALLY. I will be filing complaining with the CFPB until they remove addresses THAT WERE MADE DUE TO IDENTITY THEFT AND ARE tied to accounts that are not MINE due to identity theft. The addresses are below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ONLY XXXX ADDRESS SHOULD XXXX XXXX XXXX MY EXPERIAN CREDIT REPORT, AND THAT IS XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2019-10-30
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. (CA)

I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-06
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. (PA)

I submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. Experian sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my Experian and XX/XX/XXXX credit report. They are reporting 2 different payment statuses and comments. XX/XX/XXXXis reporting a charge off and Experian is reporting discharged debt in 3 different kinds of bankruptcies. Experian and XX/XX/XXXX both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

On XX/XX/2020, we paid off our loan with Kia Motors Finance. We still have not received our title and have tried on multiple occasions ( email, phone ) to get a status update. The company has not responded to our emails and repeated phone attempts have been unsuccessful.