davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (NJ)

I have a credit card account with PNC. 
They state I am entitled to 1.25 % cashback on every purchase, I made a {$1300.00} car payment for a friend to XXXX financial and they are stating because of the way XXXX coded the transaction that im not eligible. 
Spoke with at least XXXX people who all tell a different story, several have even agreed with me but in still missing a huge credit to my account. 
I firmly believe that PNC has ripped me and others off in the past and they are still doijg it as we speak.
Consumer complaint received 2022-07-19
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. (PA)

in accordance with the Fair Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have right tp 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.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$210.00} -This is not my account.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (LA)

Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is an abundance of credit inquiries on my XXXX, Transunion, and XXXX  credit reports that I did not authorize. I have reached out to the credit companies asking for documentation with my signature stating I agreed for these companies to pull my credit and none of them was able to provide any information nor do they have any information for me in their system. My XXXX file is frozen and that is who these credit reporting agencies state they verify the inquiries. I have been a victim of Identity theft for quite some time. If the credit card companies could not verify any information with me I AM 100 % POSITIVE THEY HAVE NOT PHYSICALLY PICKED UP A PHONE TO SPEAK WITH A LIVE PERSON CONCERNING THIS MAJOR PROBLEM. The inquiries that was not authorized are : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. Remove these inquiies they are unauthorized.
Consumer complaint received 2015-08-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MN)

In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.
Consumer complaint received 2022-07-19
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. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; CPS XX/XX/2022.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank closed my account and did not send me the balance amount of {$4000.00}. 

They closed my account in XXXX, XXXX. It has been more than 3 months. I contacted them after every 10 to 15 days. Every time they promise that they ll send me the check in few days. Its so frustrating. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I need every cent of my money in this hard time. 
Please help me.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (NJ)

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again under the same credit bureaus. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. I am a victim of the XXXXXXXX XXXX  scam. We were defrauded & lied to. This is the biggest scam I encountered. Furthermore, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual XXXX XXXX XXXX damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MO)

XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX & TransUnion, but reappeared and is reporting negative again under the same credit bureaus. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my XXXX XXXX is going down due to this as well. I am a victim of the XXXX timeshare scam. We were defrauded & lied to. This is the biggest scam I encountered. Furthermore, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual XXXX of XXXX, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (IA)

Several years ago I refinanced my mortgage loan to pay off my school loans. When I did so, I was assured the flood insurance would be the same as the the loan I initially had my loan thru. In the refinance process they sold my loan to BB & T assuring me the flood insurance requirement would be handled as it had previously, that being I would pay for flood insurance on the outstanding principal of my loan. My house is assessed for taxes at {$78000.00}. Resale value is between {$80000.00} and {$85000.00}. My refinanced mortgage balance is {$45000.00}. BB & T is assessing my flood insurance on {$110000.00}. I contacted them several time and received no satisfaction. I was told the rules set forth by the National Flood Insurance Refort Act of 1994 is a standard, not a law, and the bank is not required to follow it, that they make their own rules. I feel this practice is unfair and deceptive.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (WA)

I have a complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX DE XXXX They looked my account without a reason and I logged in with my email and password and I can log in so I contact them and ask me to change the password so I did and hey asked for my ip address and I did send the info now they asking for the transaction amount and date and I explain to them that the last transaction I did was 5 years ago and they not want to unlock my account so I searched online if I'm the only one. I'm not the only one have problems with this company so I decided to be one more to complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX DE XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-05
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. (OH)

IVE JUST RECEIVED MY CREDIT REPORT AND NOTICED UNAUTHORIZED ITEMS THAT SHOULDNT BE REPORTING TO MY CREDIT PROFILE. AND IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACTING, XXXX  ACCOUNT # XXXX AND ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 604 A states that I have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (NH)

COMMONWEALTH FINANCIAL placed 2 collection accounts on my credit report. I have never received any correspondence from them in relation to this matter, nor was i give a chance to settle any debt before they attacked my credit report. I am not paying a debt that I am unaware of or even know what it is for. This violates my rights under FCRA, as I have never been asked to pay this supposed debt.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX