davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (AZ)

My parents are both deceased and I am the trustee of their estate. My mother recently passed on XXXX. I contacted PNC bank in person many times to close a business account that they had opened to handle well water payments for their neighborhood. I requested to close the account and was told to provide death certificates for each of the signers ( my mom and dad ) and a small estate affidavit for each of them. This was sent to the legal department and I was told I could not close the account because it was marked a a corporation in the system. I asked what I needed to do and was told- on a recorded line- that it was probably marked incorrectly when the bank merged with Compass bank and that I would need to prove to them that it was NOT a corporation. I explained that the business name was not listed with the XXXX  XXXX XXXX, there was no XXXX ( the account is under my fathers social security number ) and there were no Articles of Incorporation on file- the bank should also have this information on file. 
I have written letters with all of the necessary paperwork included to the corporate PNC Bank offices in XXXX  and to the corporate office in XXXX. I have been ignored each time.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I received an American Express Gift Card of {$25.00} for XXXX. I activated it and checked the balance on their website to make sure the card was active. Of course, it's not the full balance of {$25.00} dollars I received because they always cheat consumers. They withheld XXXX cents for some odd reason which I did not read the fine print. I tried to purchase something with XXXX for {$23.00} and was declined. I tried a smaller amount and had no luck. I tried XXXX and no go. I called customer service only to tell me the card was active. They also pointed out that I should try to use it in person. Can you imagine trying to buy something and getting declined? It's a {$25.00} gift card for laughing out loud, I don't think I should go through all that trouble to retrieve it. It's embarrassing to have been declined with purchases less than {$25.00}. My friend already paid a couple of dollars to buy that card. Then they withhold a few cents and multiply that by millions of cards. It's a legitimate scam if you ask me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 2019-05-15
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. (FL)

I called a couple of years ago to close the credit card account because I had not used it for quite some time. Citibank failed to close the account and continued to charge me annual fee. They were going directly to my bank to withdraw the annual fee, {$25.00} at a time, without my direct authorization. I had not noticed the charges to my bank account in previous years after calling to have the credit card closed. This past year while undergoing a statement review ( because I changed my primary bank ) I noticed the charges in my XXXX XXXX bank account. I looked at copies of the {$25.00} checks from me to Citibank that did not have my signature. I reported it to XXXX XXXX as fraud and asked them to close that account. Then I called Citibank only to find out this was the account I had called to close a couple of years ago. They said they had no record of the cancellation. I told them they needed to cancel it immediately. They claim they have, but that I still needed to pay the {$98.00} fee because I called to late to canceled the account ( the annual fee posted in XXXX and it was now XXXX ). This is the most ridiculous thing I have ever heard! I asked for copies of the charges I have made in the last 36 months so they can show evidence of account activity. The people I was allowed to speak to did not have the means to produce that information, nor will they because the account has not been used - hence the reason for closing it. They simply reassertion thar the account was now closed and I was responsible to pay the {$98.00} annual fee. Citi continues to claim the debt and is now charging me late fees for not paying the annual fee for the card ( no purchases mind you ) and reporting me to the credit bureaus for delinquency. This is a rip-off of the highest degree - almost as sleazy as XXXX XXXX shenanigans a few years ago. I would like your help to stand up for principle. I have the means to pay the stupid {$98.00}, but this kind of abuse by these big banks needs to stop. They should not be allowed to operate above decent and fair business practices. When I used the card years ago to book a trip, I paid my entire bill to them on time. They are asking for money they dont deserve for a service I turned down long ago. What was once a useful and mutually beneficial business relationship they have managed to turn into a pile of rubbish. I will never do business again with them or any of their affiliates.
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (AR)

This active debt is enrolled with XXXX XXXX XXXX  and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NY)

This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my XXXX XXXX XXXXXXXX account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with Wells Fargo in addition to other accounts and they allowed " XXXX XXXX XXXX '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with Wells Fargo and XXXX XXXX XXXX no one wants to accept any fault. I received another letter from " XXXX XXXX XXXXXXXX '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by XXXX XXXX XXXX XXXXXXXX in Texas not Delaware. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on my credit report.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (VA)

This company authorized a transaction that I did not approve and charged my account of {$39.00}, regarding this issue their team messaged me back saying they were going to issue a refund its been over the amount of days and nothing. I have screen shots.
Consumer complaint received 2024-01-05
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00}
Consumer complaint received 2019-02-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Good afternoon, Wells Fargo is denying to remove forced placed insurance after showing proof of Insurance in XX/XX/XXXX. This insurance was placed by XXXX XXXX because according to Wells Fargo they sent letters to request proof of insurance and there was never a response Regarding this issue. Also Wells Fargo has no proof that the proof of Insurance was not submitted. I was never aware or never received proof of an insurance premium being purchased on my behalf in XXXX. 
The contact phone number for Wells Fargo is XXXX XXXX XXXX Thank you for you interest regarding this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MT)

I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used XXXX ' XXXX ach eft system to transfer to XXXX from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same XXXX ach eft system at marcus.com, the same type of transfer out of XXXX to my linked external savings account at connexus fcu. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from XXXX rep XXXX XXXX he XXXX reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at XXXX, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the XXXX and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). 
I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages XXXX and XXXX. To paraphrase, it states XXXX with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left XXXX savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn XXXX interest ( then at XXXX ) for XXXX as well as all days the {$100000.00} was in my XXXX savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX credit union savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - XXXX ' apy for XXXX thru the date when my {$100000.00} leaves XXXX to go to connexus.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I tried to use my Citibank debit card XXXX at XXXX and it declined saying I need to call my bank even though I have sufficient funds. After a couple of calls I was told my account was locked because of a suspicious deposit. She said there was a suspicious deposit to my savings account on the XXXX of XXXX. I explained to her that my mom just passed away. My brother is a co-signer on my mom 's account ( I am a beneficiary ) and he transferred half to me. She tried to unlock my accounts but said unfortunately that wouldn't be possible. I asked for a call back from a supervisor. I never received a call back. I got tired of waiting and called and got a supervisor in the security department that informed me my accounts have been locked, are being closed, and my funds will be sent to me in 30-60 days. No discussion. No reason. He said I would get a letter in 5-7 days notifying me. He said " you signed the terms when you opened your account and it states on page 35 that Citi can close your account at any time for any reason '' I keep my savings and checking with Citi so they have all of my money and I am left with no way to pay bills, rent, health insurance, buy food, etc. I called Citi Executive Response Unit. The lady I spoke with gave me case # XXXX. Please let me know if I have any recourse. I can't wait 30-60 days to pay bills and eat.
Consumer complaint received 2024-11-06
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. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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)

Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is reporting accounts that are more than XXXX years and should be deleted from report. I have included the contract I made with a debt consolidation company in XXXX  which shows the last activity was XXXX of XXXX  and all the accounts that were enrolled and are more than XXXX  years and should not be reporting. XXXX and XXXX both deleted the incorrect information. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX that have to deleted
Consumer complaint received 2024-01-05
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. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX FXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX 1.DELETE THIS ACCOUNT because of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) DELETE THIS ACCOUNT because the violation of 15 USC 1681e ( b ), 15 USC 1681 ( 5 )
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX