davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2019 I completed information for pre-employment with the company XXXX XXXX XXXX in which they used Experian credit services to verify Identity. the system asked me four questions which were 1. current or past address - which I choose a past address which was also on a current copy of my credit report 2. current or past employment - which I choose my current employer which was also on my credit report that I had in front of me. 
3. the next question was which of the following persons currently or in the past lived with me - I choose none as none of the names applied to me especially since I have only lived with my wife and children for the past 17 years. 
4. The final question was current or past phone numbers in which all phone numbers begin with a XXXX which is a XXXX, Fl. USA area code I have never lived anywhere in Florida. 
The Identity verification failed because of information from experian I have called experian and they continually tried to sell me a credit report.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CO)

I opened an account at the XXXX, CO PNC after multiple visits to verify the promotional offer. The bank representative knew that I was opening the account to receive the {$400.00} bonus after {$5000.00} was direct deposited. The bank representative told me they would " keep an eye out '' for the $ 25 monthly service fee if the account did not have the required balance. Note the representative never used the phrase, " one time '' when he implied that the monthly service fee would be waived. I received multiple service fees. 

When I called PNC after the {$5000.00} deposit criteria had been met I was told that the account was not set up correctly at the depositing credit union to receive the bonus. 

I said that this should have been checked by PNC when the account was opened and when the direct deposits began. 

I asked them to dictate the explicit way the account needed to be set up so that it could be corrected and they refused to tell me. 

I asked them to correct the way the account was set up because there would be more deposits in the future, the bank XXXX said this was impossible and refused to investigate further.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

My mortgage was serviced by XXXX XXXX. In XXXX of XXXX, as I qualified to have my private mortgage insurance removed, I requested its removal. After several attempts to have my request reviewed an appraiser selected by XXXX  was sent to my property. The appraised value and the substantial improvements I had made would have allowed the pmi to be removed. The improvements are noted in the appraisal. I received a letter stating that XXXX   XXXX  was transferring the servicing of my account to Citizens One Home Loans. I then received another letter from XXXX which miscalculated the "current value" as expressed on the appraisal and substituted my initial loan amount. In a call to XXXX, they stated that Citizen One would have all of the information and that I should continue my efforts with Citizen One. Citizen One then stated that the file was being transferred and to give it some time to have it transferred. I called again. I did allow the matter to drop for sometime, as I run a small business. I called Citizen One several months later and they told me there was no information regarding my request. In XXXX of XXXX, I mailed a letter requesting my pmi be removed. I received no response. In early XXXX, I wrote a letter stating that I would complain if this was not handled. I received a letter basically starting all over and Citizens claiming that they had no information regarding the previous request. Citizens requested an additional $XXXX for a broker price opinion of my property value. I sent them the appraisal that was ordered by XXXX, and asked why should I have to pay for an additional valuation when I qualified to begin with. In a letter from Citizens One dated XXXX  XXXX, "we have conducted an investigation and concluded that no error(s) occurred." They also sent a letter stating the minimum current value must be greater than $436,677.88. The appraisal was for $XXXX!!! I have qualified, I am qualified, yet I pay my pmi each month. (I have added dates and additional info in the history attached.)
Consumer complaint received 2019-08-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (CO)

Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.
Consumer complaint received 2019-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I have contacted PayPal this person that I try to purchase tickets from on PayPal told me to send her {$70.00} for tickets and that she would transfer me tickets on to my email and she never did I just found out that she is a scammer and has been scamming a lot of people when it's contacted PayPal PayPal basically said that I need to call my bank so my bank and refund the money this is wrong and it's not right and they're basically blowing me off the lady name is XXXX XXXX n she is scamminh people using paypal
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

In XXXX of XXXX, I sold a house I owned in XXXX, CA. I called XXXX XXXX XXXX to close my account ( XXXX XXXX and internet ). The gentleman on the phone gave me instructions on how to return the modem ( through XXXX store, which I did within 2 weeks ) and said a kit would be sent to me so I could return the DVR. I gave them my forwarding address. I never received the kit. The following month and for the next two months, I received a bill at my forwarding address ( interesting they could get a bill to me, but not the kit? ) for non-return of equipment. Each month I called them to tell them I hadn't received the kit. Each month, they said they had sent it. I asked them where they sent it, but they said they couldn't look that up. They promised to send another kit each month, each month I verified that they had my forwarding address. I never received a kit. Then, I received a notice that they were sending the bogus, non-return fee to collections. I finally got hold of a supervisor and after about a half-hour, she was able to see that they had been sending the kits to my old address ( the house I had sold ). She verified my forwarding address and sent a kit. I told her that this better not show up on my credit report and she said it wouldn't as soon as they received the equipment. I sent the equipment back the day I received the kit and thought no more about it. A couple of months later, I checked my credit report and the collection was on it ( {$240.00}, XXXX XXXX XXXX ). I first filed disputes with the credit bureaus and they wouldn't remove it. I then called XXXX XXXX XXXX AGAIN, got hold of someone who said I owed {$3.00} and change, but the collection should not be showing. I paid the {$3.00} over the phone and she said she couldn't send me anything in writing ( WHAT? ), but that all the bureaus would be notified that the account balance was XXXX. The collection dropped off my credit report for about three months, then it mysteriously reappered. I disputed it again with the credit bureaus and they sent the dispute to the collection agency ( Diversified Consultants, XXXX XXXX XXXX, XXXX, MI XXXX ). Diversified Consultants sent me a letter saying they had received the dispute, but I also had to write a letter to them disputing the charge, which I did on XX/XX/XXXX. Today I received a letter from Diversified Consultants stating that they investigated the case and they will not remove the collection. I don't know what else to do-it 's affecting my credit. XXXX has closed my credit line and it's starting to hurt me financially. XXXX XXXX XXXX wont send me anything in writing. HELP!
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I received a letter from American Adjustment Bureau , Inc. of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX in XX/XX/XXXX notifying me that I owe {$42.00} to XXXX XXXX XXXX. I called and left voicemails in XXXX, XXXX, and XXXX of that year notifying XXXX XXXX, at the contact information listed on the payment request, that the debt could not possibly belong to me. I have never been a patient of XXXX XXXX, nor did I receive any bills from XXXX XXXX prior to receiving the collections notice from AAB. I asked for proof of the debt, including the date and details of the medical service provided. I left my phone number and email address each time I called, but have never received any further communications from XXXX XXXX or anyone at AAB. In XXXX, XXXX began reporting the delinquent debt. I disputed it with XXXX. The account now has a note that " Consumer disputes this account information '', but it has not been removed.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-07-23
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. (NY)

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

I took a car loan with PNC Bank when I purchased my XXXX   XXXX XXXX last year. Payments are due on the XX/XX/XXXX, but I have up to XX/XX/XXXX to pay without a late fee. Given the timing of payroll at my employer, it is more convenient for me to pay closer to the end of the grace period ( i.e. the XX/XX/XXXX of every month ). I have communicated this to the bank verbally, and thru their social media. 

I pay more than the minimum every month. 

I have requested that they stop calling me, and went as far as contacting them by phone, thru social media and even a " snail mail '' letter as is their procedure. The calls have continued. Again, I make payment every month and my credit score continues to go up. This amounts to harrassment from this bank and I want it to stop.
Consumer complaint received 2019-08-12
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)

There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX   they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

I opened a complaint regarding a FCBA disupute, CFPB Complaint XXXX-XXXX.   Chase mishandled that complaint by issuing a credit as a 'courtesy' rather than a permanent credit as required under the FCBA. Additionally Chase apparently conflated another consumer's compliant with mine and their letter resolving the above captioned complaint contains assertions regarding a fraudulent application and two credit bureau inquires.   I have never made a complaint or assertions relating to a fraudulent application nor credit bureau inquiries. I have written directly to Chase on this date as well requesting such clarifications.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have contacted Equifax multiple times and submitted complaints and this issue still continues. I have submitted the same information for this same issue with other bureaus and they have resolved my issues both by correcting this information and by doing so in a timely manner. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Some of these accounts resulted in inquires as well 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 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

According to my credit report on XX/XX/2016 I purchased something from XXXX. Jefferson Capital is now on my report, the collection agency. I have never been to a XXXX. Im guessing this was identity theft. I have disputed this with XXXX through XXXX XXXX and it was denied. Case number XXXX.
Consumer complaint received 2020-05-26
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)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO TRANS UNION AND TO XXXX, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I've been trying for over a week to contact someone, a live person at Experian. They make it impossible when you call to contact a human being. I am having an issue unfreezing my credit report using their online and automated phone systems and they've made it impossible to speak to a live person at their offices. XXXX and XXXX were able to lift my freeze with no problem. I've been having this issue for a week. They asked I send incredibly sensitive material to them in THE MAIL in order to unfreeze my credit. They want a current utility bill, a copy of my drivers license and my social security card. That seems incredibly risky to send via mail. I sent the items via priority mail overnight but I need to see if they've unfrozen my report yet. I am trying to take advantage of low interest rates and refi my home and can not do so until all three bureau 's are unfrozen. I actually even called a number they have listed for their XXXX, Tx location and used the directory to try to contact a person. I got in touch with XXXX XXXX who answered the phone. He was rude and told me he couldn't help me, so I asked to speak to his manager, and he said " well he's not going to be able to help you either ''. I stated that was fine, but I'd like to speak to his manager anyway, and then XXXX hung up on me. After calling multiple times over the course of a literal week and finally getting in touch with someone to be hung up on is absurd. They are holding my credit hostage and they have absolutely no customer service to speak of this should be illegal. This impacts me, they need to have a customer service line. 
They need to contact me. My credit is still frozen 4 days after they received my items to unfreeze it, they haven't contacted me. I need to speak to someone.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2019-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (GA)

Name is XXXX XXXX live in XXXX, ga XXXX. Somebody hacked my bank account information I ordered on a food app called XXXX  and right after it show unauthorized atm transactions in XXXX XXXX   Florida when I never went there before nor made those transactions. I tried to dispute claim with bank and was denied because they said there was no error in which there was an error because I dont live in Florida never been there and was at work while this happened and bank is refusing to give me my money. I contacted merchant that shows on my bank account summary and she said somebody must of hacked my card information and made a fake card but the bank is still saying I was in Florida when I was never there plus the bank blocked my card and notified me for suspicious activity and advised to me that Im at a loss and they cant do anything for me even though they said its error and i live in XXXX  ya, first transaction was XX/XX/2019 {$400.00} & {$200.00}
Consumer complaint received 2020-05-26
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible