davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Brock & Scott, PLLC (GA)

Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit.

2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 
4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 
5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.

6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.

10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (MT)

Kings Credit Service bought a debt from XXXX XXXX XXXX XXXX  and will not resolve my dispute. XXXX XXXX XXXX XXXX did not perform the services they billed for. I ended up having to go to a different dentist in XXXX, XXXX to complete. XXXX XXXX changed his hours and I was unable to be treated. I have disputed this bill with XXXX XXXX and XXXX on several occasions but the collection agency Kings Credit Service has not removed this debt from my credit report. Help is requested. 
Account Number XXXX - date opened XX/XX/2021 original amount {$1400.00} now {$2300.00} address of King Credit Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX no phone number provided.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (IL)

This company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost 100 points lower. So disappointing and frustrating when your trying to be a independent American. Credit karma
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC. (CA)

Axos Bank ( aka " XXXX '' ) reported a 30 day late on my credit for XX/XX/XXXX. 

I mailed a check to Axos for {$7000.00} on XX/XX/XXXX. This was for two payments : one which was due on XX/XX/XXXX and XX/XX/XXXX. They didn't process this until Monday, XX/XX/XXXX, after the holiday weekend ; resulting in a 30 day late on my credit report. 

Historically, my checks sent via USPS to Axos were processed within 3 business days. I sent my check on XX/XX/XXXX -- providing ample time to accommodate holiday related disruptions with USPS and Axos staff on vacation. 

Given my check was processed on Monday, XX/XX/XXXX, it is evident the holiday weekend paired with USPS holiday congestion/Axos work hours were an unfortunate confluence of events that have penalized my credit dramatically. 

I spoke with an Axos representative who assured me this minor error would be forgiven with goodwill considering the obvious " force majeure '' effects of a COVID holiday and reduced Axos staff / banking hours. 

NOTE : I have since paid Axos off in full, and no longer have an open account. I'd like to do business with them again, and I'd expect some goodwill here considering the circumstances.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (NC)

ok, in XXXX 2015 i got a pnc bank credit card. the paperwork said spend XXXX dollars in the 1st 3 months and get XXXX dollars cash back. on XXXX XXXX at XXXX a XXXX said yes you will be getting your money. so on XXXX XXXX i spoke to XXXX. sounded like a reasonable man. he said theres been an error, you need to spen XXXX dollars to get your bonus. he said ill give you till XXXX XXXX to spend it. he also said you only need to spen XXXX more dollars to reach that mark. well before XXXX XXXX, 2015 i spent XXXX dollars, meeting the criteria neccasasry. i called on XXXX XXXX, 2015 and spoke to a woman, name unknown, she said yes call back on XXXX XXXX, 2015 that will be 60 days/2 billing cycles from XXXX XXXX and you will get your XXXX dollars cash back. thank you i said. so i did call on XXXX XXXX at XXXX XXXX to be exact. he gave me a complaint number. that number is XXXX i was contacted via phone by a XXXX, last name didnt get he said ill call you again after an investigation has been done. his last reply was friday XXXX XXXX almost XXXX XXXX. he said im sorry to tell you you didnt meet the qualifications to get your XXXX dollars. i said the occ will be contacting you. the occ turned me over to you the cfpb. a woman, XXXX called monday with a v-mail. not an answer. ok XXXX number is XXXX XXXX number is XXXX did i mention on XXXX XXXX, 2015 a woman XXXX at pnc also said yes you will be getting your money. pncs mailing adrress is pnc bank XXXX XXXX XXXX, XXXX, XXXX, XXXX another pnc number is XXXX thats preety much all i have. i also have XXXX XXXX dollar credit. so i want a check mailed to me for XXXX dollars to XXXX XXXX XXXX XXXX, XXXX XXXX thanks for your help in this matter.
Consumer complaint received 2021-09-25
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. (VA)

I sent a letter regarding inaccurate and unknown things in my credit report. To this day overabout 2 months later, I have yet to receive a response. I feel like I'm being taken advantageof and being ignored of my disputes. Section 611 ( a ) clearly states that a failure toinvestigate these items within 30 days gives me a reason to immediately remove these itemsfrom my credit report. It's been about 2 months now so they should be deleted promptly. Idemand these accounts be deleted immediately or I will file litigation due to the stress thatwas caused to me. My information was also impacted by the equifax data breach and mayhave got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIRCOMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MYID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

I am continously harassed by the US Bank 's customer services representatives since XXXX/XXXX/15. On XXXX/XXXX/15, the US Bank 's customer services representative ( female ) made threats of collection procedures which is illegal. All US Bank 's telephone calls are recorded to verify the unprofessional behavior of this customer services representative, but the US Bank failed to present an apology for the abusive verbal threat. 
On XXXX/XXXX/15 I received a similar telephone call questioning the " amount of my electronic direct deposit '' and " verification of address '' which is continued harassment. 
The US Bank have on file all the information about my income amount and address for the last 22 months ; consequently, permitting customer services representatives asking to verify the amount of earnings by telephone is a desire to intimidate the customer. Additionally, the US Bank communicates with me sending all correspondence to verify any information via e-mails and there is no need to make this type of calls. Therefore, the unprofessional behavior of the US Bank 's customer services representatives have inflicted me with severe emotional distress harmful for my well being.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On XX/XX/2022, I opened a new personal checking account with M & T bank online. I opened the account under a {$350.00} promo code ( " CF '' ) for opening a new account and maintaining {$10000.00} in the account for XXXX and XXXX. I completed those terms as of XX/XX/XXXX, and when I attempted to log into my account to move some of those funds from my account to another account under my name at a different bank while I was traveling out of state in early XXXX, the transfer was blocked and then my access to my account was blocked. On XX/XX/XXXX, I called into customer service and was told my account was blocked due to suspected fraud and that the only way to regain access to my account would be to go to a branch in person and show a physical ID. I explained that I am currently traveling for a few months and asked for other options for proving my identity and getting the suspected fraud block removed, but after elevating to a supervisor they continued to refuse to allow any other options but to force me to travel back to XXXX XXXX. I now have {$10000.00} of my own money that I can not access while traveling because M & T decided they did not like that I was trying to do online banking while traveling out of state. I did nothing fraudulent and was not even given the option to try to resolve whatever the suspected fraud was. Further, the timing is somewhat suspicious, as I had just completed the terms for the {$350.00} welcome bonus and was expecting to receive that bonus this month. I need to have access to my own money restored and also expect to be paid out for the bonus for which I completed all terms.
Consumer complaint received 2021-09-24
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. (OH)

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. XXXXm 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 2022-07-20
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: EQUIFAX, INC. (FL)

15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (NJ)

I visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Opened an account on XX/XX/2018 with fifth third bank. Deposited {$1000.00} as part of a promotion to earn {$500.00} after 60 days. I was not informed of any service fees on the account nor did I ever receive a debit card. When I returned to the bank 60 days later I was told that I did not earn the {$500.00} due to the monthly charges.
Consumer complaint received 2016-11-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Patenaude & Felix A Professional Corporation (OR)

I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

while living XXXX XXXX XXXX XXXX  I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX  in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

In accordance with the fair credit Reporting act XXXX 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.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (GA)

I applied for credit cards well as loans in XXXX with credit karma I was told great approval rate and was denied my credit took a hard hit I was forced to pay large amount for down payments also still needed another person to purchase a vehicle credit score continued to decease I was told I shouldnt rely on credit karma credit score because was not accurate for get approval But the app Approval rate says different