davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

I received a letter on XX/XX/2023 stating that my PNC checking account was closed. They closed my account due to an unknown reason, as I did not request the account closure. My account had a balance of {$500.00} at the time of closure. The letter stated that any remaining balance would be mailed to me as a cashier 's check. However, I never received the check. I called PNC and was told the {$500.00} was sent to the unclaimed property department and to check on the Illinois treasurer website to file a claim to receive my funds. Upon checking the website, I was unable to find the {$500.00}. I sent a letter to the Illinois treasurer explaining that PNC sent {$500.00} from a closed checking account to the claims department. I received a letter back from the Illinois treasurer in XX/XX/2023 stating they never received the money and do not have it. I went to the XXXX, IL PNC location on XX/XX/2023 to see if I could finally resolve the issue. The employer who attempted to help me made multiple calls to different departments and wasn't able to find a solution. She gave me a number to call and leave a voicemail, so they could call me back and sent me on my way. I called the number, which stated to leave a voicemail explaining my situation, and they would call me back within 2 business days. However, the voicemail box is completely full, so I'm unable to leave a message. I'm not sure what to do at this point ; I'd just like my money back.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-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 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX  XXXX XXXX XXXX  This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

You are unable to setup auto payments online with XXXX XXXX unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called XXXX XXXX now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-10-30
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. (MI)

On XX/XX/2019 there was an account opened with XXXX XXXX in XXXX, GA in the amount of {$10000.00}. This is a fraudulent account. Ive contacted the store that issued the credit as well. They have no record of any ID for me and I dont reside in Georgia.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

ONE THING IS THAT THE BANKRUPTCY COURT SENT ME A LETTER SAYING THAT THEY DONT EVEN REPORT TO AND CREDIT BUREAUS EVER AND THEY ARE NOT SHOWING THE CORRECT SPELLING ON EACH bureau IT SUPPOSE TO READ U.US. BANKRUPTCY COURT OF XXXX TENNESSEE it's NOT SHOWING THIS AT ALL
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (KY)

Dear Sir/Madam, I am writing to file a formal complaint against Venmo, a financial service provider, regarding an ongoing issue that has severely impacted my ability to access and use my Venmo account. Despite numerous attempts to seek resolution through Venmo 's customer support, I have not received satisfactory assistance or a clear path to resolving the problem. 

On XX/XX/2023, I encountered a persistent and recurring issue with my Venmo account. Specifically, I received a " 0Auth Exception Error '' while attempting to access my account and perform various transactions. This error has not only disrupted my ability to make payments but has also caused significant frustration and inconvenience. 

Upon encountering this issue, I promptly reached out to Venmo 's customer support for assistance in resolving the problem. My ticket numbers are XXXX and XXXX. In my initial contact, I explained the situation in detail and provided all necessary information, including my account details and the specific error message received. 

However, the response I received from Venmo 's customer support was far from satisfactory. Their only advice was to " wait for 24 hours and try again. '' When I inquired further about what to do if the issue persisted after waiting, I was simply told to " wait again. '' This lack of clear guidance and concrete steps to address the problem has left me feeling frustrated and unsupported as a Venmo user. 

I have diligently followed Venmo 's instructions, waiting as advised, but the issue continues to persist. 

This issue has had a direct impact on my financial transactions and has caused undue stress and inconvenience. It is my belief that Venmo has failed to fulfill its responsibility to provide adequate customer support and resolve technical issues promptly. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Venmo addresses this issue promptly and provides clear, effective guidance to users facing similar problems. 


I am hopeful that your intervention will lead to a swift resolution of this issue and prevent other Venmo users from experiencing similar frustrations. I appreciate your attention to this matter and look forward to a prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-30
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 — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (GA)

I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills  were denied payment. 
Bull City Financial Solutions XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
Consumer complaint received 2023-09-06
Product: Credit reporting 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 U.S.C. 1681 XXXX XXXX acct : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) acct : # XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) acct : XXXX , XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX XXXX  XXXX acct : # XXXX, XXXX acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (TX)

On XX/XX/2019, my wife and I went to purchase a XXXX XXXX XXXX ( used with XXXX miles on it ). Our credit was run and we were told by the dealer, we had excellent credit 800+ ( as my wife and I were already aware ). We were given an interest rate of 5.9 %. 
On XX/XX/2019, we received a letter in the mail stating our credit report was ran through XXXX  ( score of XXXX ) and SageStream LLC ( score of XXXX ). The reasons given by SageStream LLC for our score were ; Too few active accounts, Limited Credit History, Too few installment accounts, Proportion of satisfactory trades too low. 

My wife and I both received very similar scores on both reporting agencies. We have fully paid off three vehicles ( two being brand new ), credit lines ( not maxed, paid in full, all bills paid on time, etc etc. ) I looked this company up and found this to be a VERY common problem in which people go with great credit and receive high scores from every but SageStream LLC. I personally don't like this company low balling me and potentially getting me a higher interest rate, when I am very financially savvy.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I had just received my final paycheck by mail from my place of employment and I attempted to deposit it to my US Bank account via mobile deposit but due to the amount of the check I wasnt able to because of daily transaction limits so I had to visit the branch. I deposited my check at the ATM on Saturday XX/XX/2023. On us bank website it states that deposits would be available within one to two business days not including weekends or holidays so I figured the wait wouldnt be that long. Initially they made the first {$220.00} of the check available to me and then it put my account into overdraft. Now I find out today that they have a placed a 7 day hold on my paycheck which I wasnt aware of I was assuming I would of have my funds available to me by now I have bills that are due and I need gas money for work I dont know what Im supposed to do I have tried to call and explain to them my circumstances and I even went in person and all I was told was there was nothing they could do and just wait it out.
Consumer complaint received 2024-11-02
Product: Credit reporting 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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on my credit
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I read dispute results from Transunion regarding my creditor, XXXX XXXXXXXX XXXX, statement balance for XX/XX/2023. A balance has been reported to my credit report at least 2 times inaccurately for the month of XXXX within a 30 day period. The balance on my balance sheet for XX/XX/XXXX is {$340.00}. On XX/XX/2023 the balance was reported correctly. On XX/XX/2023 XXXX Bank and/or TransUnion, XXXX, and XXXX reported XXXX balance of {$1000.00}. XXXX, TranUnion dispute results shows my statement balance for XX/XX/2023 as {$1500.00}. This practice is unlawful, discriminatory, and against the Fair Credit Reporting Act. This action has caused an adverse affect on my credit score and report. Credit bureau systems and/or employees should know to only report credit balances once a month, accurately, and within the statement month 's period ( usually 30 days ).
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I charged a large amount to pay for construction on my home on XXXX XXXX, 2019. I had called my credit card company to increase my credit ceiling which I was advised was {$62000.00}. The credit charge was for {$22000.00}. I immediately wrote a check, from my Home Equity Line, after I confirmed what address to send it to Citicard at. I checked frequently and although I called once to find out if the check was " in the system '' this could not be confirmed. I finally noted that the check was debited to my bank on XXXX XXXX, 2019 and confirmed on reviewing my Citi Card account that the payment had been noted and credited on XX/XX/XXXX. On Sunday XX/XX/XXXX I attempted to pay for theater tickets costing {$400.00} dollars. The charge did not go through. I called Citicard that night and was advised that i had exceeded my credit limit. When I ponted out that CitiCard had credited me {>= $1,000,000} on XX/XX/XXXX, I was informed that because this payment had come from a different account than I typically use, it had been flagged and I would not be credited for 7-10 business days. 
I made 2 additional calls to Citi Bank both by phone and chat. I spent over 3 hours on these various attempts to resolve the issue. I spoke to one supervisor who apologised for the delay but could not reverse it on Tuesday XX/XX/XXXX. 
I spoke to the first agent, XXXX, identification code XXXX on Sunday XX/XX/XXXX initially. I asked CitiCard to file a complaint on a chat line on Monday or Tuesday XX/XX/XXXX or XXXX. 
The check was finally fully credited on Wed XX/XX/XXXX. 
I find it unacceptable for a bank to not inform you by text, email or phone that your credit limit has been reached. I get numerous fraud alerts from CitiCard and I would expect exceeding one 's credit limit would likewise be able to communicqted. 
Even though I spoke with an agent about my large purchase and confirmed that I would be mailing a check, the agent never mentioned that the check would take 16 days to be credited to my account. It was written on XX/XX/XXXX and credited on XX/XX/XXXX. In addition, no one had the courtesy to call, email or text that their would be a 7 to 10 business day delay until this large check would be taken off " hold '' as they called this delay in crediting my account. 
The lack of transparency and the complete disregard of the customers concerns is deeply distressing. The inefficiency and inability to resolve the issue is a waste of my time and energy as well as Citicards. Please look into this issue as I am sure it is affecting other customers as well, Thank you for your assistance.
Consumer complaint received 2023-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

On XX/XX/2023 I purchase two XXXX XXXX gift cards worth {$500.00} each at the XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I attempted to use the cards on XX/XX/2023 and they didnt work so I called the number on the back. 
They told me to send a picture of the receipt, the cards front and back, and a photo I.D . Which I did. I was told it would take up to 30 business days. Its been well over 30 business days and still no replacements Upon calling today XX/XX/2023 customer service was rude to me and asked me to wait another 30 days. These are violations which are resulting in injury to me and my family.