davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
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: PNC Bank N.A. (MA)

We have had XXXX late payments on our mortgage ever ( in XXXX  years ) until XXXX recent missed a few months back due to being taken off auto pay without our knowledge by PNC bank then it affected credit score for me and husband 's by XXXX points cause they put as a late charge on our mortgage cause was 30 days late. But that is because we were always used to auto so never noticed. We are buying a new house and this is greatly affecting our credit cause of this one issue and very undeserved and we want it fixed and taken off and our credit score fixed please. 

You can review old credit report to show there were XXXX late payments. Please if you need to you can also review the current credit report showing XXXX late payment for XXXX. We previously had automatic payments arranged via your online portal and only noticed something was wrong when we did not see the payment being removed the following month. As soon as we noticed we paid it in full and immediately was up to date. We were informed by one of your agents that there was a system change/update that has caused previously scheduled payments to be deleted, resulting in our credit score decreasing significantly. We request that you remove this late payment history from your records and update with the credit bureaus effective immediately. Our mortgage loan consultant is requesting a letter or some type of documentation for us showing that this is being actioned as we are in the process of purchasing a new home and selling our current. PNC bank I sent all documentation too with a letter etc and never heard back so called to follow up and they did not fix the problem or even seem to care so my loan officer told me to contact you guys. I really need this resolved asap please. 

Please let me know once receive correspondence and documentation showing it is being taken care of. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM A VICTIM OF IDENTITY THEFT. BANK OF AMERICA REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO XXXX. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND XXXX is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

I have had Citi double cash credit card. I have closed the account when I had - {$120.00} balance. I had asked them to send me the {$120.00} as check and close the account. They have agreed and promised me to send me the check in 2 weeks or 10 business days. I have not received the check after 2 months. I have called them again and they said they have sent the check but I never received it. At this time, they said that my dispute with a particular charge was returned and found me liable for {$39.00}. I have agreed to pay that amount once I receive the {$120.00} check. They have put a note to the account that " I will pay the {$39.00} once I receive the {$120.00} check ''. They promised to re-issue the check and send it to me saying that I should receive it in 2 weeks. After another 2 weeks, there were still no check received. I have called them once again and asked them to speak with a supervisor. They have given me an " account manager '' who told me that they will re-issue the check 1 more time and she claim that she could see the previous issued check number in front of her. I told her that it does not help me if I don't have the check. Now, the balance due jumped from {$39.00} to {$70.00} due to unpaid balance even though they put a note to the account that I would pay the balance once I receive the check. I also offered them to deduct the {$39.00} from the {$120.00} check and send me the rest. 

The reason I wanted to close the account is because they keep declining my charges and can not even verify my information making me jump through hoops every time. 

Please stay away from CITI altogether as I will never ever will have anything to do with them anymore nor I will have anyone of my family or friends do anything with them. This is absolutely ridicules and I will never pay that {$39.00} if I don't receive the check. If things gets even worst, I will go to distance and open a court case with them.
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?
Consumer complaint received 2023-05-21
Product: Credit card or 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. (MA)

I purchased a prepaid XXXX gift card from XXXX at a XXXX XXXX {$500.00} use it a couple of times maybe XXXX or XXXX and every time I used it it was I had to call the customer service for sometimes XXXX or XXXX hours wait to get okay for every time finally near the end after somebody else was charging on the card also they shut it off with about a couple of XXXX dollars still left on it and that's the last I've heard of it can't get any more information on it thank you
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an issue with capital one. Capital one is still processing my application. They are doing so because they say they can not reach me to verify my information due to the fraud alert that I have on my report. I left a voicemail with the fraud department. I also called and spoke with a rep that kept me on hold for a half hour and then hung up on me. All I want is my application processed. They could have contacted me on the number that was on the application. I have had the same number for 3 years. The lack of communication is ridiculous. Not to mention that they have sensitive information that they are sitting on.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-21
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: Exeter Finance, LLC. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - EXETER FIN Account Number : XXXX added a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by EXETER FIN has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA EXETER FIN has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NY)

I have previously submitted a certified letter on XX/XX/XXXX and XX/XX/2016 which was received and signed for requesting that a dispute be initiated for a Chase account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in Chase account XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree. 
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest. 
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home. 
What assistance are you able to give? 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I called a hospital on XX/XX/2023 to pay my up front portion of {$3200.00} for a procedure. I tried my Care Credit ( Synchrony Bank ) card, to see if I was eligible for any payment plans. Found out I was not, so the hospital voided the transaction. I paid the {$3200.00} with another credit card on XX/XX/XXXX. I received an email update on my Care Credit ( Synchrony Bank ) card that indicated I had a balance of {$3200.00}. The hospital has no recorded of the {$3200.00} from XX/XX/2023 on my account, only the transaction from XX/XX/2023. I have tried a couple of times to dispute the charge of {$3200.00} on my Care Credit ( Synchrony Bank ) card, including providing all records from my hospital account, showing there is no charge on XX/XX/2023. So far Care Credit ( Synchrony Bank ) card has not credited my account for the amount of {$3200.00}. I have tried several times to get updates via Synchrony Bank 's online customer service portal, but I can not get any information. I have tried several times to call their customer service number, but am told the disputes group does not take phone calls. So, I can not get a proper update on the status of my dispute.
Consumer complaint received 2024-11-26
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. (FL)

I have been trying to get a copy of my report from TransUnion for over a month and I have not been able to. I can not get it online and when I call and request it ; I still can not get a copy mailed out to me. I need assistance in getting this because TransUnion has been reporting erroneous information and I am not able to fix it without access to it
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (NY)

I am going through financial difficulties and am struggling to pay my credit card bills. Most companies put me on a financial hardship program which lowers my monthly payments & interest. 
However, barclaycard, refuses to do so and harass me repeatedly by calling me over 20 times a week, at all times of the day. I have screenshots of my call logs and I will list the dates below as well Phone numbers called from : XXXX XXXX Saturday XXXX XXXX XXXX calls Friday XXXX XXXX XXXX calls Thursday XXXX XXXX XXXX calls Wednsday XX/XX/XXXX - XXXX calls Tuesday XXXX XXXX XXXX calls Monday XX/XX/XXXX - XXXX calls XXXX XXXX XXXX calls
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (AZ)

I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I misplaced my wallet a week ago, along with my debit card, social security number, and other personal items.This has happened to me twice, and someone has deposited a cheque there. As soon as I noticed a deposit, I contacted the bank to let them know. After a few days, the bank contacted me that my account was restricted and would soon be closed. I tried to tell them that wasn't the case, but they continued to say they would close. Now that I receive weekly payments from my job and use my bank to pay for schooling, I'm not sure what to do. I simply want to know what can be done to fix this
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Consumer complaint received 2023-05-21
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (MD)

My information was used to obtained services to opened an account ( MILITARY STAR CARD/Army & Air Force Exchange SVC ) that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed immediately!
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

A Collection and charge-off is showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent.

This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.