davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

None of the afore mentioned categories describe the scope of my problem. BBVA Compass was bought out by PNC in early XXXX. I had enjoyed on line banking through my secure accounting firm XXXX XXXX XXXX with XXXX accounts : Household, XXXX XXXX, personal/trust and one credit card and one debit card. When the change occurred, I was no longer able to access my accounts on line from PNC. I have spent countless hours with XXXX XXXX, my former wonderful BBVA Compass banker and now agent with PNC, on the phone in her office with PNC officials. We have begged and pleaded. I have signed papers that were supposed to get my accounts on line. After TWO MONTHS, I still can not access my accounts. BUT IT IS WORSE ... XXXX weekend, I got a call from a third party in XXXX who banks with Compass/PNC in their branch. She had access to ALL MY ACCOUNTS on her XXXX!! She had numbers, bank balances, transactions. She could access all my accounts and I could not. It is a COMPLETE BREACH OF SECURITY of my accounts. When later, I finally got a statement of my credit card charges, there were a number of charges that weren't mine. I had to cancel the card. Evidently with my accounts on line, I got hacked. Two months later, I still can not access my accounts. I am beside myself. I have spend hours, had two branch managers trying to help... .and STILL NOTHING. These people violated my right of privacy, have caused me countless hours of accounting bills and should not be in the banking business. In one phone call from and XXXX XXXX XXXX weekend who works for PNC corporate, he was rude, flippant and sent me on a wild goose chase to the bank to sign papers that didn't resolve anything. I now hear absolutely nothing. I have no assurance anyone is even thinking about my situation. Poor XXXX XXXX practically cries when I show up at the bank because she feels so badly that she can't help my situation.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX AR CHILD SUPPORT ENF, AR CHILD SUPPORT SER, AR OFF OF CHILDSPRT ENFO, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, AR CHILD SUPOORT SER 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am having an issue with Experian credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

Experian limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

Experian has also gotten into the habit of changing my username and password on XXXX nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.
Consumer complaint received 2022-06-27
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)

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXXXXXX XXXX XXXX also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Pulled my credit report ( XXXX ) XX/XX/2021. Notice another name besides mines had pop up within the reports. Sent numerous of documentation to prove who I am and to resolve the issue that has failed to be fixed for the name/file/mixup. I've included ; social, identification and bank statement to further expedite this resolution.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

I moved out of my old apartment almost a year ago and was told by them that I was paid in full. About six months ago I started to get harassing phone calls everyday while I was at work as well as constant voicemails. Around a month ago one of the collectors got rude with me and proceeded to yell at me before I hung up. Ive tried to contact the apartment complex on multiple occasions for months now. Just now succeeding a few weeks ago.
Consumer complaint received 2022-08-01
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (GA)

Around XXXX I was under a chapter XXXX which included my SunTrust Credit Card Debt. According to a XXXX XXXX Report I pulled my credit line was XXXX  out ( see attachment A ). 
Around XX/XX/XXXX/XX/XX/XXXXSunTrust opened a totally new and different account with an {$8000.00} balance and sent me a brand-new credit card and said it was a XXXX  Account Card and that I could not use it for any purpose. I called and asked for an explanation and details of charges and was told it would be mailed but it never was. SunTrust is not able to provide an explanation of charges in writing nor by phone. Over the past ten or so years I have called to dispute the charges and I was told things like If you disagree then why are you still paying on this. The last request was made XX/XX/XXXX, Request for Records # XXXX, Ive yet to receive a single statement. I requested a settlement of my unpaid debt at {$1400.00} ( 20 % ) of the balance due of about {$7500.00}, there response was {$5500.00} which is 75 % of the balance due. 

credit Card Account # : XXXX I was told that there are three other accounts ending in XXXX, XXXX, and XXXX that are attached to this account but no explanation could be given as to why. I have been paying on this debt of {$8000.00} for 14+ years, often times above the minimal requirement as my statement shows ( see attachment B and C ) the balance as of XX/XX/XXXX is {$7200.00}. 
My statement dated XX/XX/XXXX ( see attachment C ) shows that I paid {$1400.00} in financial charges in the year XXXX. Even if I only paid the minimal payment of {$140.00} for twelve months that would = {$1700.00} minus {$1400.00} in financial charges leaving {$310.00} to go toward the principal in one year alone but according to SunTrust Ive only put about {$750.00} toward the principal in 14 years. 

Credit Card Bill of Rights states Credit card companies must denote clearly on your bill how long it will take to pay off your balance when only paying the minimum amount and how much you would have to pay monthly in order to be at XXXX balance within three years. My statement does not, please see my attach monthly statement attachment B and C.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-29
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. (NC)

XXXX XXXX XXXX shows up on credit report. This account is not mine. Here is the information listed : XXXX XXXX XXXX XXXX XXXX Account # XXXX, opened XX/XX/2015
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I made a purchase XX/XX/XXXX for XXXX which was debited then credited back to my account. I didnt receive any merchandise and I was whole. On XX/XX/XXXX Chase authorized XXXX to be redebited from my accountw/I notifying me they deemed to charge to be good. By then, I could not reach the invoice or the vendor. On XX/XX/XXXX I disputed the rebill and received a letter from Customerservice XXXX that that was closed as of XX/XX/XXXX. I again disputed it emphasizing the XX/XX/XXXX rebill. It is almost a year now in dispute and it is still not resolved. I can not get a customer service to help ( after waiting over an hour to get CUSTSERV ) because it is in dispute.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$520.00}
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VT)

I redeemed Chase Sapphire Points to book travel. Due to a family situation, I needed to change my return flight. I received a confirmation from Chase for the new flights. When I attempted to check in with DL, I was told that the reservation had not been made properly and in order to fly home I had to pay {$180.00}. I did so. 

A day after my return on XX/XX/22, I phoned and explained the situation. Sapphire investigated and told me that I would be issued a refund. 

On XX/XX/XXXX, not having received a check, I phoned again ( each of these calls involves waiting on hold to speak to a representative to whom I tell the entire story, then waiting again at length for a supervisor ). I spoke to XXXX XXXX who, after spending more time checking on this matter, said I would be sent a refund check in 3-5 business days. 

On XX/XX/XXXX, I spoke to XXXX and then to XXXX XXXX, a supervisor. He told me, after a long wait, that I would be sent a refund check within XXXX week. 

On XX/XX/XXXX, I spoke to XXXX and then supervisor XXXX, spendiing more than an hour on the phone. I was told that I would get a credit for {$180.00} on my credit card statement in 'one to two months or billing cycles, ' XX/XX/XXXX at the latest. No credit appeared then nor has a credit or check appeared since then. 

On XX/XX/XXXX, I spoke to XXXX and then 'Senior Specialist ' XXXX XXXX XXXX He told me, after long delays on hold, that he would have to investigate this claim and that he would definitely phone me the next day at XXXX. ( These calls allegedly are all recorded by Chase. ) He also gave me a number to call the next day if he did not reach me. He did not call and the number I was given was 'not in service at this time. ' More wasted time. 

That day, XXXX XXXX, I spoke to XXXX and then to supervsior XXXX, who claimed to be 'at the highest point, ' and would research this and call me back in a few days or a week at the latest. It is now XX/XX/XXXX and I have no calls and no refund. 

Would you please help me?? The Trip ID is XXXX.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I was attempting to sell a piece of furniture through XXXX XXXX for {$80.00}. A prospective buyer contacted me and wished to purchase the piece through a XXXX payment. 

After agreeing to this, I received a fraudulent e-mail stating that my XXXX account was not authorized to receive the funds and that it needed to be upgraded to a " business account. '' To make this upgrade, I had to send the buyer {$300.00} which would then be refunded to me. I complied and sent the {$300.00}. The fraudulent buyer maintained communication throughout this process via XXXX XXXX, which gave me a false sense of confidence that this transaction was legitimate. 

After this, I received another e-mail stating that the authorization did not occur and that I needed to send an additional {$700.00}. I complied again. After this, I received another e-mail stating that there was an error and that I needed to send yet another {$700.00}. I complied once more. 

Finally, I received another fraudulent e-mail from XXXX stating that I needed to send another {$1500.00}. I did NOT do this, as at this point I realized I was being scammed. I contacted Chase bank immediately and was told that my money ( {$1700.00} ) could not be recovered as I had technically authorized the transactions.
Consumer complaint received 2021-08-02
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. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-29
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX CT XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.