davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
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: CITIBANK, N.A. (MA)

XXXX/CBNA XXXX Charge-off There is no remarks that shows that this account is charged-off. Also the dates are reported inconsistently. Please delete this inaccurate report.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

PHEAA some how bought loans in my name in XXXX. They would never provide me information. It appears that duplicated several. I just started getting letters in the mail XXXX. I had no choice but to consolidate to save my credit. I still have no idea where they got this information and believe fraud was committed. After research I see many other have had the same issue with this company.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX my wife & I opened a checking account at Bank of America. At that time we told the rep that we did not want our middle names or initials to appear on checks, debit cards, statements or any other document. Our middle name did not appear on our checks however, that is as far as B of A went in honoring our request. The debit cards showed our full middle names. I called B of A to inform them of the error. New cards were sent without the middle name or initial however, B of A charged us {$5.00} per card for making the change. They later reversed the charges after I called them. Statements and checks sent by B of A when we use bill pay continue to show our full middle names. Numerous telephone calls to the branch and customer service have been made to resolve this ongoing bank error without success. Today, XX/XX/XXXX, I went into the branch and met with XXXX XXXX, Assistant Vice-President, Relationship Manager. Since my wife is ill ( she suffered a XXXX ) I presented a lawfully executed and notarized General Power of Attorney. XXXX XXXX called her legal department and faxed them a copy. The response was that Bank of America declined to honor the General POA because it had not been signed by two witnesses. I pointed out to her that Arizona law allows the option of having two witnesses sign the document or having the document notarized. She said it was out of her control or authority as her legal department said to decline it. I also advised her that two other financial institutions had already honored the POA as well as hospitals, doctors, attorneys and a local court. She stated that there was nothing further she could do. The end result is that Bank of America has refused to honor a lawful General Power of Attorney authorizing me to represent and act on behalf of my wife, Bank of America has refused to correct their errors and remove our middle names/initials from the records and Bank of America has refused to add our trust as a beneficiary to the account.
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (MD)

I took a personal loan with Mariner Finance. I was successful with making on time payments of the required amount until I ran into difficult times, in that I had to take on the responsibility of taking care of my elderly mother who has XXXX, on XXXX, XXXX and has XXXX. I had to move my mother from Florida to come live with me because she was unable to care for herself as her health started to deteriorate rapidly. Ultimately, I became her primary care taker and moved her in with me. At the time her health was stabled but shortly into living with me she was diagnosed with having XXXX. I was afraid of my mother wondering off and decided to seek assistance. When looking into getting her the care she needed, I ended up putting my mother in an XXXX XXXX   home because she did not qualify for skilled nursing without going by the route of being admitted from the hospital. So, I found a home to admit my mother to however, it was very costly and the cost exceeded the amount of her retirement check. Therefore I had to supplement the difference of the cost which affected my ability to make the required payment of my loan. I in honest effort made a payment towards my balance and they refused my payment stating the payment was mailed back however, I never received the money order returned back in the mail. I received a call from XXXX with Mariner that I missed. I returned the call on XXXX explaining my present situation that has not changed. XXXX is the Assistant Branch Manager, who I shared my situation with and again I asked if I could pay what I am able to in an effort to get my debt paid down and ultimately my loan paid off. He said that the amount I wanted to pay would not cover the interest and I told him that I understand but at least I will be making some kind of payment towards my loan and when I am able to pay more I would. I explained of the hardship that I am experiencing and how I am also paying off other creditors such as the IRS, State of MD, Car note, insurance, medical insurance on top of my mother 's nursing home bill. I just do not know what to do at this point but complain because this company is acting more like they are loan sharks and is intimidating me as the consumer when I am honestly trying to rectify my issue and debt to them. I would like to be able to send Mariner Finance some kind of payments towards my balance without it getting sent back. And to reflect that I am not ignoring my debt to them but instead trying to pay them of.
Consumer complaint received 2019-07-05
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: LEXISNEXIS (RI)

I checked my XXXX, XXXX XXXX XXXX  and lexisnexis reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX  {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) 2XXXX XXXX XXXX XXXX XXXX XXXX  02909 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX wrong phone numbers 1 ) XXXX-XXXX-XXXX  2 ) XXXX-XXXX-XXXX 3 ) XXXX-XXXX-XXXX 4 ) XXXX-XXXX-XXXX 5 ) XXXX-XXXX-XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX XXXX-XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXXl 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX  18 ) XXXX XXXX XXXX 19 ) XXXX XXXX  20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
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. (NC)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX A )
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MT)

On XX/XX/XXXX I applied for a Citibank AAdvantage Platinum Select World Mastercard for my business, which was approved. 

I tried but could not save a PDF of the offer made to me on my computer. In each instance the link would print a blank page. I did not take a photograph of of the offer which I now do as a standard practice to prevent fraud. 

Before applying, I called a Citibank customer service representative who confirmed the details of an offer made by Citibank to me that included an award of XXXX XXXX miles I was eligible for. 

The offer made to my business by Citibank and the one I accepted was to make purchases of {$2000.00} or more within 90 days from opening my account to be eligible for an award of XXXX XXXX XXXX miles. 

I exceeded the amount of purchases required ( > {$3000.00} ) within the requisite period ( 90 days ) from when Citibank opened up my business account. 

I sent letters on XX/XX/XXXX and XX/XX/XXXX to Citibank and made several calls to their customer representatives. In each instance, Citibank wrongly insists I accepted an offer to make purchases of {$4000.00} or more within 90 days from opening my account. 

Citibank has not produced a copy of the contract offer made to me that I accepted to make purchases for my business. Nor did I receive any notice that any of the terms of Citibanks offer were changed in any way. 

Citibank refuses to award the XXXX XXXX miles I should have been awarded.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Control, LLC (NY)

I believe the following accounts are invalid. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX needs to verify under oath that these claim are valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the accounts to be removed from my credit & their records. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
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. (FL)

In XX/XX/2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from XXXX XXXX a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. XXXX is in California and XXXX XXXX is in XXXX. Out attorney sent XXXX and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to Trans Union it is  severely damaging my credit. They refuse to remove it. XXXX XXXX only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION (SC)

I received a check from BB & T datedXX/XX/2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted BB & T to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by BB & T to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with BB & T and the owner, I have finally reached my limits. I later learned from BB & T that they put a stopped payment on the check but was never told why. BB & T did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a BB & T branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by BB & T. I was told by a BB & T rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in BB & T and just want the XXXX refunded back to me.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, 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. (WV)

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of Experian, XXXX  or XXXX. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Consumer complaint received 2021-09-14
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. (TX)

I opened a credit card with BBVA in 2020. The annual fee is waived the first year, and they charge a {$99.00} annual fee for all subsequent years. Upon learning the card was being converted to a different product and being charged the annual fee, I immediately called BBVA to close the account. The agent closed the account and said the annual fee would be removed and I would have no further responsibility. A month later, I received another statement from BBVA for the annual fee + late charges. I have now called twice to have the fee removed, and the agents seem unsure what to do. I am not paying an annual fee for a card I no longer have and would not have closed the account had the original agent informed me they were not removing the fee. This is a highly deceptive practice and does not conform to industry standards across all over U.S. credit card companies.
Consumer complaint received 2019-03-11
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: AES/PHEAA (TX)

I've contacted XXXX  and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX  ( or XXXX ) XX/XX/XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX   representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from XXXX that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to XXXX  et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked XXXX et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX  received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.
Consumer complaint received 2019-02-19
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: Innovis (FL)

I've contacted XXXX  many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

I have recently made an complaint about the same collection agency and they said they couldnt find an account but when I call not did they only find an account with the same info I gave them the first time they also said a different balance owed from what they are saying I owe the representative also proceeded to hang up the phone on me after stating my facts. ERC at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. I have never in my life done business with them. This company does not have a contract nor signature with me.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Conn's, Inc. (LA)

Conn 's calls and text messages you if you are late with one payment. My payments are due on the XXXX and if I do not pay exactly on the XXXX of the month I receive robo calls from different numbers all day until XXXX from Conn 's for a payment that is only due one day late. The calls are repeated even if you make a payment arrangement with them to pay the account. They harass you until the account is paid. I do not get paid until the XXXX of the month and I am annoyed and phone battery dies because of their repeat calls even if I make a payment arrangement. I heard on the news that this is against the law.