davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

I was instructed by PNC BANK Mortgage Loan Officer XXXX XXXX ( XXXX ID XXXX ) to complete a Homebuyers course offered by XXXX XXXX. Upon completion of this course that took multiple hours to complete, I was promised a {$1000.00} grant. I passed the course with a XXXX score, and received a certificate indicating I completed the course. As of XX/XX/21, PNC Bank refuses to honor this agreement, because they decided on that day that they will not proceed with my loan application. PNC Bank has lied and reneged on my loan application two times in the past 90 days, and now they refuse to honor the compensation that was agreed upon for my participation and completion of this course. I want the money that is owed to me for my cooperation and time.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!
Consumer complaint received 2019-12-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Upstart Holdings, Inc. (NY)

We have experienced several issues with this lender mostly with communication and customer service. Not being able to contact is the closest choice to what we are experiencing which is complete frustration. I am extremely busy with a very demanding full time job. I took out two rather small loans last winter with the help of my wife 's research online. One with this lender and another. We are having no problems with the other lender who is very easy to deal with. This lender has nothing but frustrating policies. They will not talk to my wife even with my permission. In the beginning when my wife tried to call, even after I got on the line to give permission, they gave her a hard time and when I emailed the to tell them I want my wife to be able to speak on all matters they refused unless I completed some notarized papers that I have no time for. The other lender has no problem speaking with my wife after I gave this permission over the phone, once when we took the loan. Upstart will not even let my wife call to make a payment! All reps just repeat the same boiler-plate statement that they can not disclose any info. She is not asking for info to be disclosed in any way. She just wanted to make a payment. She can't even do that. Then I wanted to change my email and emailed them about this at least four times if not more. The customer service department keeps insisting that there is a link on their website to do this. The same person has been answering our emails since early XXXX. We tried over and over and there is no link for this. It leads us to a link to change our password. An arrogant customer service rep in Upstart operations actually told us tonight that the case is closed and they have answered us! I am fed up. this is the worst company to deal with. In the beginning right after I took this loan out they accused my wife of trying to call up and impersonate me. Even a supervisor accused her and it was finally investigated and after pulling the calls they admitted that she never did! What is this? The treatment is awful. I will never take out another loan with this lender and I want this known.
Consumer complaint received 2022-10-07
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-16
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: Williams & Fudge, Inc (NC)

15 U.S. Code 1681 - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Williams & Fudge XXXX Inc. wrote the below statement on my last complaint and have yet ceased from reporting to all three credit bureaus! 

XXXX XXXX XXXX, stated The account was satisfied in full on XX/XX/2022 At that point, the account was closed on XX/XX/2022 and returned to the client as such. Upon closing the account as paid in full, XXXX ceased acting as a data furnisher and updated the credit reporting agencies to remove the previously reported information associated with this account. Should the consumer have additional questions, they are encouraged to reach out to XXXX XXXX XXXX, who is Williams & Fudge , Inc. Ombudsman. He is available and may be reached via phone XXXX, or by email XXXX.
Consumer complaint received 2021-12-10
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. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted Transunion online and by phone at XXXX. I was only able to obtain my credit score for free. I was unable to obtain a copy of my credit report, the whole thing, without being asked to pay a charge. This is against the Federal Regulations!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit inquiries were removed from my Trans Union credit report and then they were all added back which is against the law. I 've reached out to them to ask them to remove all inquiries and I have not had any success. Thanks in advance for your help!
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I filed my complaint on XX/XX/22, Bank of America responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have Complanits about citi cards. They are lying they said card was closed cause grantor closed the account and they have issued new card number on my name without my authorization. I didnt request the card but citi credit cards issue new number on already closed account. Its illegal how citi cards are issuing new card on closed account and second of all I didnt request for new number but they are going crazy and issued illegal new card number on my name and the closed account they have balance and they are trucking with me pay {$3100.00} dollars but balance on the card they said {$7100.00} and they admitted the cards has been compromised but they say pay half on closed compromised account and they kept threading me. XXXX credit bureaus have investigated and they remove from my account but on third times Investigastion XXXX found out they are doing illegal and harassment and first two times citi cards lied to XXXX and then XXXX found out how come they can issue new card number and closed account. But citi credit cards have been lying to them and lied to you too. I had submitted with cf means your federal consumer agency but they dont stop but XXXX have completed the investigation and removed them from my credit report but they kept sending me fake new tricks to get money from me please help me thanks God bless you
Consumer complaint received 2022-04-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I deposited a payroll check on the mobile app with Citibank. They check was going to be held ; so I proceeded to asking an agent thru the mobichat if they could stop the deposit so I could cash the check and I was informed I could cash it. Two days later XXXX the cash checking place I used called me back that the check was returned. After I found out Citibank was closing my account. Ever since then I have tried many many times to get answer to when will I receive the funds from the account when it was closed and they keep giving me different answers. First, they told me they would send a check it should take 5 to 7 buissness days I never received it. After they told me it was 10 to 15 buisness days that I should receive it by XXXX XXXX. Never received it. Now they tell me they never send a check and that they are awaiting the response from another dept. Which I can not talk to to see if the funds are going to be released to me. I have tried escalating the matter, speaking to supervisors. XXXX XXXX XXXX  and have not gotten any answers. At this point because I had to pay XXXX back I am getting wage garnishment to pay XXXX the money back. The check was in the amount of {$490.00}. I have the last account statement that they sent. Which says the ending balance was {$490.00} there is a {$5.00} Non citibank Atm fee which I dont know why because I didnt withdraw any money on XX/XX/XXXX, a XXXX monthly service fee also XX/XX/XXXX and says other withdrawal XXXX. Which I never withdrew because my account was locked.
Consumer complaint received 2021-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 accounts 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 accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, went to XXXX XXXX XXXX XXXX I was in need of a car and I was asked for my driver 's license plus my SSN. The car that I choose was a XXXX XXXX XXXX with XXXX miles. After my information was input into their system I was asked to pay a down payment of XXXX XXXX XXXX their finance department completed a credit application. I left the lot thinking that everything would be good my payment where XXXX monthly with self-employment I was able to pay. XXXX months in I found myself not able to work like before due to the XXXX XXXX out brake and the high number of people that contracted the virus. I informed Ally of this issue and that my payment would need to be postponed for a little bit. My aunt paid the bill that was passed due also the current payment which was XXXX then I paid XXXX XX/XX/XXXX. This debt is an alleged issue as followed I was not supposed to give any type of cash when I first got the car. 
FCDA 1602 ( J ) - " Open-end Credit Plan " are the subject of the transaction are primarily for personal, family.

1605- in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, PAYABLE directly or indirectly by the to whom the credit is extended.

15 USC 1691 ( d ) 6- Harassment of physical person, reputation, or property of any person 1602- In case the case of an open-end credit plan involving a credit card, the credit card ISSUER and any person who honors the credit card and offers a discount which is a finance charge is CREDITORS.

15 USC 168-Consume reporting agency shall promptly provide to the person who provided the information in dispute all relevant information.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XXXX XXXX is saying I owe him {$10000.00} in back rent from XX/XX/XXXX to XX/XX/XXXX for a property that he lost due to false leasing and the property has been on the News from him getting money from XXXX and not using it to fix up the property since Storm Ida which took place XX/XX/XXXX. The property has been placed as blighted and is marked as unlivable. How do I owe him rent for a place that's unlivable and is a blighted. 
XXXX XXXX XXXX was on the XXXX XXXX XX/XX/XXXX and when I contacted the credit agent he went through that's the same day he filed with them. Not to mention ALL his proptery is in XXXX XXXX Louisiana and he got his credit agents called ProCollect out of XXXX Texas where they don't know anything about him or what he's been labeled as in the state of Louisiana, '' Slum XXXX. '' He has abused his authority on many people not just me.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

XXXX had put in a soft disconnect which interrupts the service before a formal interruption is done. This was done throughout the time in 2014 when I had their service. The snow storm in XXXX 2014 causes equipment problems where I could not use my phone. After I got behind in my bill I paid it but they continued to bill me for full service even though the phone was n't working and the TV and internet were intermittent. I paid the amount that I would have owed but they continued to bill me for services not rendered. A representative from their Corp office called me & said it would be deleted and removed from my account because of the soft disconnect which she acknowledged. It was recalled in XXXX and from XXXX agency in XXXX and deleted. I pulled my credit report and found it resurfaced under another collection agcy after I got new service with them The acct # XXXX. I disputed it with all of the collection agencies and it was deleted which proves what I said. I was told since I don ' t have the letter that was sent to me, they wo n't do an adjustment, but the credit bureaus would n't delete it unless they had proof which the Corp rep said she would send.