davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (MA)

I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AP)

I was approved for the Discover card in XX/XX/XXXX while XXXX to XXXX. I used the card a few times online and for a balance transfer. After that, my card was declined multiple times since then and I was unable to take advantage of the 0 % introductory rate due to Discover having a security lock on my account. I was told I had to complete the IRS 4506-C form and wait for the IRS to confirm my identity. My card was unavailable for use until the IRS sent that form back to Discover. I was at the mercy of the IRS 's timeline as to when the form was complete by the IRS. Still being XXXX my credit card was never turned back on. I was told I needed to call them. I was unable to call due to being XXXX. I went on leave in XXXX of XXXX and was finally able to call Discover. I was told my account was closed because I never completed an identity verification form notarized and sent back to Discover online. I am XXXX XXXX XXXX XXXX and have not been able to get back to the US to call them. They have a chat function which I was utilizing via horrible Wi-Fi. I pay my bills via Wifi online. Discover discriminately closed my account due to my XXXX XXXX status. This is a violation of the Servicemember 's Relife Act ( SCRA ) and the SCRA was created for this exact type of scenario ; to assist XXXX XXXX members from predatory lenders defaulting to their policies that exclude XXXX XXXX  specifically. Had I been a civilian sitting in the US, I could have access to a serviceable phone in order to contact this lender in regards to my account. Discover says they closed my account on XXXX XX/XX/XXXX, after they contacted me via email requesting I fill out another identity verfication form and to get it notarized. I did that, paid {$10.00} for a notary at The XXXX XXXX and they still closed my account and state in the attached chat that they weren't successful in verifying the documents that I submitted.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (MO)

Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. 

I would appreciate it much if you remove the items I will be listing below
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (FL)

I applied for a short term pay day loan but the payment amount and the schedule of payments were not available for viewing until after I signed the documents and saw that {$500.00} dollars would be taken from my account every 2 weeks. I tried to call the company and email them but I am put on hold for over an hour each time. Every time I try to log into my account I have to request a password change. I can't continue with the payment and want to see if I can change the amount being withdrawn. I can not pay over {$1000.00} every month.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (DE)

I incurred a bill at XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. The billing was incorrect in that about a {$9000.00} insurance payment had not been applied. After I called and spoke with a representative of XXXX in mid XXXX, the insurance info was re-submitted and the remainder was my portion of the bill to pay. I made bi-weekly payments until XX/XX/XXXX when I paid the remainder of the bill ( {$100.00} ) in full. XXXX never sent me any notice stating that my account was sent to a collection agency. In fact, my balance was still on the website where my payments were received and as stated, I was still making payments on the balance of over {$200.00} dollars, bi-weekly. 

I did get a letter from a collection agency but I disregarded it because the balance was incorrect, I never received notice about my balance going to collections, I had never heard of State Collection Services and it looked like a scheme to impersonate a non-existent state agency, and XXXX was still showing the correct balance and accepting my regular payments. XXXX received the last payment on XX/XX/XXXX and I received a credit monitoring alert today, XX/XX/XXXX that a collection agency has posted to my account.
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (FL)

Today XXXX XXXX and on XXXX XXXX I saw on my XXXX XXXX Equifax report. On Equifax and XXXX XXXX credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On Equifax is 2 inquiries one from XXXX XXXX XXXX  and from XXXX XXXX XXXX   XXXX XXXX. These inquiries was not done by me. Also XXXX has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX ... .. this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XXXX, XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Consumer complaint received 2019-07-18
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. (CO)

Someone fraudulently opened 4 XXXX XXXX credit cards in my name that I just recently found out about and have been in contact with XXXX XXXX to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. XXXX XXXX is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I was a victim of fraud on XX/XX/2023. Someone pretending to be XXXX XXXX got into my phone and payed themselves {$1000.00} from my Citizens accounts. {$500.00} was paid through XXXX, which I have never used in the past. I was refunded that {$500.00} from Citizens and that case is now closed. The other {$500.00} was through XXXX XXXX, out of my citizens checking account, which I also have never used in my life. It was paid to a foreign name, not a business. I received a {$500.00} refund from Citizens for XXXX fraud, but 1 month later, they took it back claiming XXXX said fraud did not happen. I have no idea how XXXX XXXX would know that, they weren't the victim, and they also had no idea another {$500.00} was stolen and already refunded by Citizens. I called Citizens over and over and over. They kept telling me it was denied, I wasn't getting my money back and there is no way for consumers to get in touch with the fraud department. I asked over and over for a call back from the fraud department to explain that within a few minutes, this person stole {$500.00} and {$500.00} from me and they approved the refund for the XXXX {$500.00} and not the XXXX XXXX. II never received a phone call. They were within minutes of each other to the same name. Again, they said it was because XXXX XXXX claimed there was no fraud, but I have absolutely no idea how XXXX would know that. I also don't think it is fair that Citizens refunded me the {$500.00} for XXXX, but took it back a month later. I was a victim and I cried for hours over this. I never used XXXX or XXXX money ever in my life. I changed all of my cards through Citizens. I still use Citizens because all of my bills are paid through them. I intend on switching banks if this does not get resolved. I have been a customer with them for over 18 years and this is not how you treat your customers. {$500.00} is a lot of money for me and my bank should protect me if fraud happens through my accounts with them. I am very unhappy with them, this situation and their customer service for fraud issues.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today XX/XX/XXXX and on XX/XX/XXXX I saw on my trans union XXXX report. On XXXX and transuion XXXX credit report. They have inquiries that are due to identity theft. Trans union inquiry is XXXX XXXX. On XXXX  is 2 inquiries one from XXXX XXXX XXXX and from XXXX National credit card cos. These inquiries was not done by me. Also XXXX  has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX  ... XXXX this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX.  That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Consumer complaint received 2019-01-10
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX   inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX   XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was looking for a refinance for my existing mortgage on XX/XX/2019.  LoanDepot contacted me and gave me an offer. Then I provided all my basic information to double confirm if I was eligible for the XX/XX/XXXX ARM rate they offered. I was told I was OK. Then they started a credit check and I double checked with them before appraisal whether my credit was fine for this rate and got confirmed. However, after appraisal, they told me my credit history was less than 2 years so they needed to increase my rate. Then they refused to refund my appraisal fee if I didn't agree with the new rate. My credit history was the very basic factor that was clearly shown on my credit report and I already double confirmed with them ; They should know this at the beginning, but they still ordered the appraisal. I suspect it was their strategy to trap customer. Customers should not pay for their unprofessional consequence.
Consumer complaint received 2019-02-28
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: FactorTrust, Inc. (MN)

Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

Hello. I have previously submitted a complaint to Barclays bank in regards to a late payment in XX/XX/2021. Since then Barclays bank has issued me a refund of the late fee due to my request. According to the United States 2021 Covid Cares Act. Once a consumer had/has been accommodated of any request on their account by a creditor in my case refund of late fees He or She is entitled to removal of said late payment/s from their account, as well as the credit bureaus. I am reaching out to you so that you can make sure that this Covid Cares Act is legally upheld on my behalf Regards XXXX XXXX
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.