davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

I would appreciate your help with PNC. 

On XX/XX/XXXX, i asked PNC to put a hold on my loan payment and they agreed to do so for two months. I had to put a stop to all the payments. Since the pandemic there is no way to enter the building and do so. In that regard i reached.out to the PNC XXXX XXXX and i was in contact with XXXX XXXX, Miss XXXX put a hold of the payments and transfers, She mentioned that when i want to go back to the same process for paying the loan and transfer then i should call her back and reverse the process. I contacted via email Miss XXXX in XXXX and asked her to set everything back to normal due to the payment coming out in XXXX. I was very specific and i mentioned what accounts and she verified. I noticed XXXX i did not see any transfer from one account to another to make the payment for the Loan for the land. I contacted Miss XXXX via email and she mentioned that i am incorrect the payment is coming out in XXXX. I replied imminently and sent her a scan of my loan payment schedule the bank had sent me and expressed my concern. Miss XXXX not only ignored my emails she also ignored my phone calls. Due to that fact of knowing that she made an error i frantically transferred funds and as you know the payment coming out the i did not make the dead line and there was not enough funds, and my account borrowed from the line of credit. 
When i reached out to Miss XXXX again the next day she ignored my emails and my phone call she replied at the end of the day and very annoyed and rudely expressed that it was my mistake and not hers. 
I reached out to the branch manger and i expressed being a customer for 17 years thus having a loan for {$720000.00} which is paid off in the next two years. I am disappointed to that i was treated so rudely, causing my loan payment to take from my line of credit due to XXXX mistake, in which she is not acknowledge and willing to fix. I expressed if the bank is not willing to acknowledge and fix the mistake i would be happy to take my business banking to another bank. I also have that email the Bank manger XXXX XXXX expressed that would his pleasure and to help me move banks. 
I would like to express this is not the first time i have had an issue with Miss XXXX, another time i opened a bank account only in my name. She called my ex husband and told him that my checks are available to be picked up. I expressed very highly for there is no one else on my account and do not send the checks to my place of business. I would like a third party to step in and help with this issue and solve the mistake.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with FTC
Consumer complaint received 2022-01-09
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. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

Since I open account I have problems. When cryptocurrency is high and time to sell coinbase website is not available but now complicity locked out of my account. Can ; t log in and coinbase wont reply back to my emails. Who gave them right to lock me out of my account this is criminal organization and they need to be stooped.Since I'm locked out I start reviving phishing emails and I never got those pretending to be coinbase. my dispute is over {$120000.00} since tha 's how much they cheated me out/ Now I don't even know if If I have any founds in my account
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I have attempted to withdrawal available US dollars/funds of {$170.00} from Binance.US and advised withdrawals disabled. Also, unable to trade stating trading is also disabled. A ticket was submitted on XX/XX/2021 to Binance describing issue and still no response or resolution to this date of XX/XX/2021. At this point I just want to leave the platform and completely cash out available funds as well as all available crypto. This company has held any trading that could result in greater wealth for myself and very unfortunate.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2021-01-26
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: RentDebt Automated Collections, LLC (KY)

On XX/XX/2021, I mailed a letter to XXXX informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called RentDebt, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. RentDebt was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. XXXX failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. XXXX did not indicate what steps it took to verify accuracy or fairness nor did XXXX provide me with any documentation from either RentDebt or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and RentDebt are fraudulently attempting to collect a debt not owed. XXXX is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NJ)

REMEX INC at XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (CA)

Purchased a vehicle from XXXX XXXX XXXX on XX/XX/2015 in XXXX, CA. The finance company that agreed to be my lender is Consumer Portfolio Services Inc. When I went to purchase the vehicle, I had just completed a Bankruptcy, two days prior. So of course, my interests ' rates from the Consumer Portfolio Services were going to be high. 


In the contract I signed, the total loan amount including finance charges is {$24000.00}. CPS finance charges annual is 20.45 %, total finance charge of {$8900.00}, for a amount financed of {$14000.00}. Five years has passed, and the vehicle is still not paid off. I started calling customer service inquiring about why my principle on the vehicle was still so high. So, I decided to print off my payment history from the website, and found out that I have paid {$12000.00} in interest, {$3800.00} more than on the contract. My principle paid off is only {$9500.00} in 5 years. I have paid {$22000.00} on the loan, but I still have a balance of {$4900.00}. 

I need help getting this account corrected with Consumer Portfolio Services Inc. The amount of {$3800.00} that has been applied to interest should be applied to my principle. This company has a lot of bad reviews with current and prior customers stating they were cheated by CPS with them charging more on the vehicle than they should have paid.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2018-10-16
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. (NC)

In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MO)

Chrysler Capital auctioned off the vehicle in XX/XX/2020. They basically want me to pay the full amount for the repossession. The car was for {$16000.00}. After the car been auctioned off, they said the remaining balance I would pay would be {$11000.00} for a XXXX XXXX so that mean they only sold the vehicle for {$5000.00}. I would like my settlement payment to be lesser.
Consumer complaint received 2022-04-28
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. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXXredit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/2020 XXXX XXXX XXXX  {$7800.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : Midland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 XXXX XXXX Visa {$1400.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXXdland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Again, afraid to feed into a scam. 
XX/XX/2020 XXXX XXXX XXXX {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Consumers Financial LLC (LA)

In accordance with the fair credit reporting act First Consumers Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2021, I was a victim of IDENTITY THEFT. Several accounts were opened under my name and I have completed a POLICE REPORT FOR IDENTITY THEFT and an FTC REPORT FOR IDENTITY THEFT AS WELL. XXXX XX/XX/XXXX XXXX sent me a bill for an account that it not mine nor I did open. I sent them some documentation on XX/XX/2021 and as of XXXX-21, no reply yet. I am attaching a second letter with the different reports. As of today mi CREDIT has been ruined.
Consumer complaint received 2020-11-05
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. (NY)

THE XXXX. XXXX XXXX DEROGATORY ACCOUNT AND INQUIRIES THAT ARE REPORTING ON MY CREDIT FILE DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT THE ACCOUNT AND INQUIRIES BE INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Check Recovery Bureau, Inc. (LA)

I'm renting a home with another person. I received text from my roommate saying that United Check Recovery Bureau has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident. 

The company 's information is below : United Check Recovery Bureau XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-09
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. (PA)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. In accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (MA)

My first communication with Lundquist Consulting, inc was XX/XX/21. The second time was XX/XX/21. The third time communicating with lundquist consulting inc was XX/XX/21. 

I requested Lundquist Consulting, inc to provide me their method of verification and inaccurate information because the bankruptcy LCI is reporting unlawfully and sharing to the XXXX credit agency, and breaking the law. LCI is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts Eastern Division, and the website of Pacer.gov. 

Lundquist Consulting , inc broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

Lundquist Consulting , inc Reply me with the same copy paste letter tree times.
Consumer complaint received 2020-12-01
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. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was informed by Chase bank that my checking and saving will be closed, no reason given. 
On XX/XX/XXXX, I was told my accounts were closed completely and my fund $ XXXX should be sent to me by cashier check soon. 
However, I did not receive the check so I called Chase again, I was told my funds are being " investigated '' by " banking team '', no reason given, no time frame given. I have called more than 5 times about this, and the same answer given by Chase. 
Today is XX/XX/XXXX, I called again and still the same answer and no estimate completion time provided. 
All my funds are legal and mine. I need Chase to return my funds asap. I don't see they have a right to hold my funds for so long without giving any reason or completion estimate.
Consumer complaint received 2018-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (MN)

I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.