davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (IL)

I signed a financing agreement with Mosaic funding the installation for a door and window for {$8100.00} with XXXX by XXXX. I signed the agreement on XX/XX/XXXX and XXXX percent ( {$2400.00} ) of the loan balance was transfer to XXXX  by XXXX, located at XXXX XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/XXXX. I was told before I signed the loan papers that I would have XXXX months of interest free payment to repay the loan after installation. Today is XX/XX/XXXX and I have not received the window and door that I contracted for. Mosaic started taking funds out of my account on XX/XX/XXXX, even though I have not received the door and window. It was unclear to me that the interest free period began the day after signing the document, even though I had not received any consideration for the door and window not being received and installed. Mosaic is still requiring me to repay the loan despite receiving nothing. I think it is unreasonable and consumer fraud to require someone to make payment on something they have not received. Second the agreement with Mosaic and XXXX by XXXX agreement has a material affect on my agreement with Mosaic however I would not made aware that XXXX would receive XXXX percent the loan amount the next day after signing the agreement with Mosaic, and the interest free period would begin the day I signed the agreement without any work being performed. I feel it is an injustice for payment to be required on XX/XX/XXXX when no work has been completed. To make matters worst, Mosaic sent my account to a collection agency two weeks have the XX/XX/XXXX payment due date.
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (MA)

Re  :    XXXX   XXXX   XXXX   XXXX    Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank
Consumer complaint received 2022-08-25
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (PA)

AGAIN! PNC BANK CREDIT CARD HAS TAKEN AN UNAUTHORIZED {$340.00} OUT OF MY ACCOUNT. XXXX THEY TOOK AN UNAUTHORIZED {$840.00} OUT OF MY ACCOUNT. AFTER SPEAKING WITH THE REPRESENTATIVE SHE CONTINUED TO TELL ME THAT THEY HAVE THE RIGHT TO TAKE MONEY OUT OF MY ACCOUNT, BECAUSE I ACTIVATED THE CREDIT CARD. THE RESPONSE FROM PNC BANK, FROM MY PREVIOUS COMPLAINT THEY HAVE UPLOADED A FRAUDULENT TERMS OF AGREEMENT JUST TO STATISFY MY COMPLAINTS TO THE CFPB.THAT WAS NOT TERMS WHEN I SIGNED UP FOR THE CREDIT CARD. I AM CONSTANTLY BEING HARASSED BY THIS CONTINUED AND DISGUSTING BUSINESS PRACTICE OF PNC BANK WITH NOTHING BEING RESOLVED. THE CARD HAS BEEN CLOSED FOR MONTHS. I HAVE NEVER AUTHORIZED PNC BANK TO WITHDRAWL ANY MONEY FROM ANY OF MY ACCOUNTS! THE INTEREST RATES ARE RIDICULOUS FOR MINORITY AND XXXX OWNED BUSINESSES. EVERY TIME I TRY TO PAY A BILL PNC BANK HAS ALREADY WITHDREW MONEY FROM MY ACCOUNT WHICH PUTS ME FURTHER BEHIND.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

My original mortgage was   XXXX   XXXX   sold to   XXXX   XXXX   XXXX   then Green tree and now  Ditech.    This issues has been going on since  XXXX . Were they constantly send me statements that I owe them payments and always different amount owed.     I have given them bank statements showing payments I have made payment, i have even sent them there online statements showing the payments cashed. They agree with me that payments have been made and leave me alone for  XXXX  months and start again.     Recen tly Ditech state s again I owe them now {$24000.00} for mortgage not paid I have not missed a payment I call them and they say they have record of me paying and see how its been applied wrong but nothing is done.     They continue to threaten me with foreclosure and send me modification loan that is for higher rate and more money.     For the month of  XXXX   XXXX  they sent my payment back refusing to take payment.
Consumer complaint received 2020-10-07
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. (TX)

I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

There is a paid judgment of my credit report in the amount of {$1200.00} dated   X/14 . I ha ve mailed copies to all  XXXX  credit bureaus (  XXXX , Experian and  XXXX   XXXX  showing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not sure why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IN)

In   XXXX   XXXX     I paid a bill with my  XXXX  debit card at  XXXX   XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the  PNC logo that was  a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with  XXXX   XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM.    .   I called the number on the back of the  PNC issue d debit card (  XXXX  ) and it connected me to a representative at   XXXX   XXXX   XXXX    .  The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from   XXXX   XXXX   XXXX   that was prohibiting me from removal of the cash balance presented to me by the  PNC ATM.    The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my  XXXX  ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive.     i want the fee arrangement between  XXXX   XXXX  Indiana,  PNC a nd  XXXX   XXXX   XXXX  investigated and I want my funds returned without the charged fees to access and retrieve my own cash..
Consumer complaint received 2017-04-25
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: SYNCHRONY FINANCIAL (NJ)

My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

i received a citibank double cash rewards card in the mail. I thought it was a new bank card for citibank where i currently have a checking account. I went to the bank and deposited {$400.00} and the prompts on the atm where actually as they always are when using my other card, ie > asked me where i wanted to deposit, ,checking or savings, ,i chose checking and assumed it would be deposited in my checking acct.. the next day i deposited {$1000.00} dollars the same way..this time i went home to check it on my computer and saw only {$79.00} in my account which is what i started with ... I called the number on the back of the card saturday   XXXX   XXXX   and was told this is a credit card and the money went to my credit card. I explained that this was an error and i needed it refunded to my checking account to cover my scheduled bills as well as rent. I gave my checking acct routing and account number and was told it would be processed withi n 3-5 busin ess days. I called again on wednesday   XXXX   XXXX   and was assured that it was being processed by offshore location and would be in my acct later that day or early the next day..I called the next day Thursday   XXXX   XXXX   to be told that they were going to hold the full amount charged on the card in the amount of {$390.00} and would only refund me {$1000.00}, then they said they did not have my checking acct or routing number even though it was given to them when i initially  called..i had to le ave where i was to run home and give them the info again. I called the following day, friday   XXXX   to ask them what right it was of theirs to take full payment without authorization when their are extending me credit which means i am able to pay min amount due. Please note this is a new card and did not even have statement generated for me yet, so there was no negative or non payment history. After stating my case over and over they agreed to refund me the full {$1400.00} and send a statement so that i could pay the min or above as i wish ... .once again they needed my checking acct and routing number ( for the third time ) and this would now take anothe r 3-5 busi ness days ... .i called again on tuesday   XXXX   XXXX   to be told that they sent it to my checking account number but could take another  3-5 busin ess days to reflect ... They have basically run me around while putting all my other auto debit credit cards in jeopardy as well as my rent payments. I was forced to borrow money to cover what should have been in my bank to begin with, violated my rights to authorize my payments and continue to string me out with nonsense and lies ... I would really appreciate and hope that you will investigate their shady practices and put an end to it while imposing a hefty fine on them for robbing people without a  gun, but it is  still robbery none the less ... ..Thank You!  XXXX   XXXX
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (PA)

XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   credit-report.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (NV)

I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nair & Levin, P.C. (CT)

Nair and Levin h as sent me a notice for court with an amount of  XXXX  which is a different amount from the original amount and the company has not sent a notice to dispute. This company repeatedly breaks the law and does n't follow the fdcp. Please thoroughly investigate this company for fraud and disregard for the law.
Consumer complaint received 2017-04-25
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: EQUIFAX, INC. (SC)

Upon receiving a copy of my credit report, it appears as if I have a LOT of inquiries that DO NOT belong to me. I even have  XXXX  inquiry  (   XXXX   XXXX   )  showing twice for the same date (  XXXX  ). I mailed out a certified letter on  XXXX   XXXX ,   XXXX   in regards to  XXXX  hard inquires that was being reported on my credit report that were not factual. They received the letter on  XXXX   XXXX ,   XXXX  , the request was completed on  XXXX   XXXX ,   XXXX  . The letter stated that they can not remove inquiries and that I need to contact the creditor directly. I did another request through Equifax online dispute system on  XXXX   XXXX ,   XXXX   that included the same  XXXX  inquiries stating that they were not factual. I then received notice back that my request was completed on that same date  XXXX   XXXX ,   XXXX  . The response from Equifax this time was " Inquiries are a factual record of file and access. If you believe this was unauthorized, please contact the creditor. '' on all  XXXX  of the inquires I   submitted. According to the FCRA Rules FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that my investigation was completed in 3 days of them receiving my certified letter during my 1st request and next during my 2nd request the investigation was completed on the same day as the date I disputed it. One can assume that there was no investigation into the matter in such short time frame. I plan to purchase a home this year and having so many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original disputes for hard inquiries that does not belong to me. I did not sign for anything. These are unfair practices by Equifax with no concern for the credit worthiness of a consumer.
Thank you,