davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

My lender, PNC, is making withdrawals for payment from my XXXX  checking account, from which I have already verbally and in writing asked them to discontinue because I am making payments from another account. Twice now they have, without authorization, withdrawn funds from my XXXX account. The last time they did it, I had to wait 2 weeks for them to process a refund to me and they assured me that they had deleted all of the XXXX checking account information from their records so that this would not happen again, yet here we are, a second time, and right before the holidays when I need the money in the XXXX account, they have debited the funds again without permission. They now again how 2 payments, and I need the money reversed back into my XXXX account, yet I can't even get someone on the phone now, and they are telling me someone will contact me in two games. It's not my first rodeo with them, as last time, after the 2 days had passed is when they said they would have to wait 2 weeks to process the refund. I don't understand how there is no way I can stop them from taking my money from an account without authorization. This should be criminal, as it's basically theft taking the money from my account after I have withdrawn authorization to do so.
Consumer complaint received 2022-11-30
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. (NC)

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Ive noticed my minimum payment increase dramatically, I reached out and received different replies. They range from the rate doesnt go down to the rate increases evethough the balance decreases. I was just told the rates the same as when I opened this account which is false. I asked why would XXXX XXXX, XXXX  and XXXX slow me to file and be granted a rate reduction but they wont allow even a request. 
Unfortunately I feel this lending practice is strange.
Consumer complaint received 2024-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized wire transfer of {$120000.00} was wired to and from my account without my knowledge or consent. I went and tried to tell the bank to shut down the account and will be changing my number and they have not done so.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have spent over 6 months trying to simply cancel an Experian credit reporting service. They have NO way to do it online, or even options to call them. I had to XXXX the hidden email and phone line to get the proper places to request the cancellation of the monthly approximate {$40.00} fee. I sent a request to cancel by email about 4 months ago with no response. Calling the XXXX number puts you into pre-recorded options does not allow you to reach a representative or cancellation option. I consider this service to be predatory in how they manage this.
Consumer complaint received 2020-12-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I took out a private student loan with Sallie Mae In XXXX of XXXX for {$6400.00}, and another loan for {$1500.00}. In XXXX I was struggling to make payments, I fell behind. The loan for {$6400.00}, went up by {$9200.00} due to forbearance and capitalize interest charged. The amount of payments that I missed on my second loan was {$1200.00}. Both loan was charged off to XXXX XXXX. When the loan was charged off to XXXX XXXX, the representative at XXXX offered me to apply for a Income driven plan. I was on a payment plan for both loans, I paid off the {$1500.00} dollar loan on the payment plan and I was making the payments for the {$6400.00} loan. I later found out that the Income driven plan only applied to Federal Loans. While, I was making the payments with XXXX XXXX, Sallie Mae record missed payment each month and also charged the account for late fees. The account was sent to XXXX XXXX XXXX XXXX XXXX, for the past 3 years I am making a monthly payment that is deducted from my account the last day of each month. Navient who is now the owner of the loan listed my account as missed payments, past due, add missed payments fee and interest charged. Even though I am in agreement with XXXX for a monthly payment that is deducted from my account. In XXXX of XXXX Navient recorded a charged off amount of {$5300.00} which is the amount of the missed payments that was charged every month on their end. When I called XXXX about this issued they told me to call Navient. Navient response is for me to write a letter to their credit escalation team, I did, I never received a reply. My account need to be adjust, I was paying the monthly payments each month thru XXXX and Navient recorded that I was not making any payments. I would love for this issue to be resolved. Thank you.
Consumer complaint received 2022-08-15
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. (NV)

XXXX XXXX XXXX XXXX XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over XXXX inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/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 ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

US Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX USBank XXXX XXXXt Visa XXXX Statement included a {$95.00} -- annual fee in my XXXX statement I called the Credit Card Support and requested a reversal of the {$95.00} fee. A US Bank Supervisor called me on XX/XX/28, who directed me to apply for a different USBank Visa credit card that did not include an annual fee and the {$95.00} annual fee would be reversed and applied as a credit to my new card. 

I cancelled my XXXX XXXX Visa card and applied for a Cash + US Bank Visa card. US Bank is now refusing to credit my new Credit Card the {$95.00} -- annual fee. I would never have canceled the better card with the fee if I had not been told that the {$95.00} would be credited to my new Cash + Visa USBank card. Lessen learned is that a consumer can not count on the validity of support provided by USBank Visa Credit Card Supervisors. I will be cancelling my new Cash+ US Bank Visa card in the next couple of days.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (GA)

I filed a Initial claims period claim for money spent in connection with the Equifax Data Breach Settlement.I complete the request an submit proof of damages.The misleading information states the information is incomplete which I know to be untrue. The facts don't support the settlement Administrator comment and need to be addressed as fraudulent .... Claim Number : XXXX...
Consumer complaint received 2021-05-31
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. (NC)

XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX OF XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX PART - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent out several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Consumer complaint received 2022-06-20
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)

I have repeatedly asked to have removed A- item for {$200.00} that's over 7 years old from XXXX XXXXXXXX bank that was purchased by a debt recovery company called portfolio recovery it was removed by the credit reporting agency XXXX but it still remains and is retained on Equifax so I'm trying to get it removed repeatedly and they just keep updating it but don't remove is it shown as an old account but a negative account and it is on a ring my credit score
Consumer complaint received 2023-06-19
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. (NY)

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : XXXX XXXX XXXX Equifax
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX was never sent to me, I never received bill or phone call and suddenly saw a bill collection of {$170.00} in my credit report. I called the company Transworld Systems XXXX XXXX XXXX XXXX, XXXX, DE XXXX ), Account XXXX and they said it was a XXXX XXXX initial medical bill, they didn't even have my correct address. Company refused to delete entry in my credit even though they admitted they never sent out the bill.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

Secondly, in accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Title : Bank of America is charging me a fee without telling me upfront. They've charged me {$25.00} after the action is completed. 

I payed {$250.00} on XX/XX/2021 to my Bank of America credit card. 

I had autopay set up to pay the statement balance. Although my current balance was {$0.00} on XX/XX/2021, autopay still pulled {$250.00} to my credit card. 

I ended up with a {$250.00} credit on my balance. I had 2 recent purchases at the time, so my overall credit was {$230.00}. I called BOA and an associate told me that the {$250.00} was processed, she can not cancel the payment, but she can return the extra credit back to my checking account. I agreed. 

This month, BOA charged me : XX/XX/2021 RETURNED CHECK FEE {$25.00} XX/XX/2021 RETURNED PAYMENT UNPAID {$250.00} They've charged me the {$250.00} again, plus a " returned check fee '' of {$25.00}. 

I called BOA, talked to different managers and associates. An associate told me that it may be that I didn't have sufficient fund in my checking account, so the {$250.00} was never processed successfully. The managers didn't even bother to check my account to see why {$250.00} didn't process, told me that it's my responsibility to cancel autopay to avoid double-payment. 

However, I HAD sufficient fund in my checking account at the time ( about {$3000.00} XXXX. 
I called again, this time another associate was able to tell me that, the {$250.00} did not process successfully is because I've called to " stop '' the transaction in XXXX. 

In XXXX, I was informed that the {$250.00} can not be stopped, and was NEVER informed that I have to pay a {$25.00} fee to avoid the extra payment made by BOA autopay to my credit card. Apparently the associate who was assisting me in XXXX didn't know either. 

The fee related to that action was NOT SHOWN on the associate ' screen, according to the last associate I've talked to, the associates are only able to see the fees after fees are processed. 

The managers have denied to refund me the {$25.00}, and it's their " SYSTEM '' that makes the decision, the managers and the associates couldn't overturn that. 

I have to pay the {$25.00} fee because I wanted to avoid double-payment to my credit card. And I was informed that the {$250.00} was PROCESSED, and they couldn't stop that. 

However, the payment was stopped for some reasons, and BOA is charging me {$25.00} on an action that they said to be " can not be canceled '', on an extra payment made by autopay to my credit card, without informing me before the action was taken.
Consumer complaint received 2022-08-15
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. (CA)

From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from XXXX and TransUnion, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas TransUnion and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Secondly, in accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Sombody used my bussines debit card, i file complaint I disputed claim number # XXXX Union bank denied my claim and stiil my monay, union bank keep me wait XXXX to returne my monay back, to the end claim denied!
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (GA)

I have tried multiple times with credit bureaus and consumer to get this fixed they are reporting false information I paid this in full selltlrment that they offered. This should not be reported charge off and that I owe some on this debt can you please get them to fix this on my credit it is hurting me having a reinstated charge off it is not right I did my part now they need to fix it thank you