davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-21
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (DE)

I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I have submitted a complaint against Citibank for an identity theft a few years ago. The bank has done nothing at all, but the cost to me is about {$40000.00} now. I am sure that XXXX rules were violated by the bank and have written this to them on this website, but I have no response. What more should I do?
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-10-10
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAVALRY INVESTMENTS, LLC (CA)

I am reporting Calvalry Portfolio Services for illegally reporting false information to the XXXX Credit Bureau. It can be found under the Public Record section of my credit report. They have deceived the credit bureaus to intentionally re-age the debt. 

The background of this debt : This account with orignially with XXXX and openedaround XXXX XXXX. 

I have the records indicating the first missed payment was XXXX XXXX. It was charged off XXXX XXXX. 

This account is only supposed to continue on record until XX/XX/XXXXCalvalry 's False Claims:1. ) They claim to have served me notice on XXXX XXXX XXXX. This is inaccurate. I received no claim and had no knowledge of Calvalry 's identity or that the debt changed hands. Calvalry can not provide any evidence for this claim. 

2. ) They claim that their law firm, XXXX XXXX served me notice on XXXX XXXX XXXX. This is also false, I received no such notice and neither Calvary or the law firm has any evidence to support the claim. 

3. ) They claim that I was served notice on XXXX XXXX XXXX that XXXX XXXX filed a lawsuit for the account. This claim is also inaccurate. Neither Cavalry nor the law firm can provide any legitimate accurate evidence to support this claim. 

I am reporting Calvalry and their law firm for giving false information to the courts. I received no court summons, no information from Cavalry whatsoever that the debt changed hands. I made absolutely no deals with them, received no notices or court papers. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX XXXX when it is only supposed to be XXXX XXXX
Consumer complaint received 2015-10-12
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-05-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I bought a car from XXXX in XXXX from a sales person named XXXX. The car was a 2003 Mercedes with around XXXX miles valued at {$9500.00}. XXXX sold me thecar for over {$18000.00} after telling me that I had to stay around {$10000.00} I later see so he could add all these additional charges. XXXX set me up with a finance company that he told me that they use on a regular basis called Santander XXXX. They added an additional {$18000.00} which would have come to over {$36000.00} had I paid off the loan. XXXX told me I could pay off the loan early and avoid the interest but after I signed the contract Santander made me pay on the interest XXXX and intended on getting all $ 36000for a {$9500.00} car. I traded the car in after paying $ XXXX which cameto {$9000.00} and I also put down {$1400.00} down payment. Its amazing that there are companiesout there that are doing this and going UNCHECKED. This is modern day LOAN SHARKING.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Delinquent account — 
Company: Northstar Location Services, LLC (CA)

I have been contacted by XXXX LLC via letter. They are requesting payment for a 2007 XXXX XXXX credit card. The debt was sold from XXXX Bank to " XXXX XXXX XXXX ''. his debt has since passed the statue of limitations.
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed) (TX)

For four ( 4 ) years my family and I have been receiving harassing and threatening phone calls from a debt collector who has gone by the name of " XXXX ' or " Concord Resolutions ''. If we speak to them they refuse to give us info. on who they are, where they are, what number they are calling from, etc. ( they call from hidden numbers ) what the debt is, etc. All they will say is they are looking for my Sister, concerning a pay day loan debt. They threaten legal action against us if we do not cooperate, tell us a deputy is on his way to pick us up, etc. They are calling all of my immediate family and now are starting to call in laws! They have left messages to call # XXXX and speak to a XXXX XXXX but a woman has called also, refusing to identify herself. They call all day long on all of our numbers. And it 's not limited to the adults. They are calling the teenagers / children 's cell phone numbers as well. We have no idea how they are getting these phone numbers. Once you speak to them and start asking questions or advise them to stop they seem to " ramp '' up the harassment. Like it is a game to them.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KY)

My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC (MD)

Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was XXXX.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Bank of America. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (NJ)

To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) 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 XXXX XXXX XXXX, XXXX XXXXXXXX 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 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (GA)

I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (MS)

I was contacted in XXXX 2015 by XXXX that they were cancelling my XXXX accounts due to a charge off by Citibank. I was stunned to learn that Citi bank had charged a student loan to my credit status that I was to have co-signed without my knowledge or consent. I have asked for information and verification from the Citibank and they have not submitted the information requested. I asked for copies of my signature on the loan a copy of the check bearing my name, any phone calls made to me or any communication made to me or attempts to contact me to inform me of this account prior to charge off. I have not received any of the information requested. They send me copies of documents bearing no signature however marked electronic signature was taken. I asked for how they authenticated my identity I was told by information on my credit report no direct communication was required apparently. I asked for a log of phone calls made to me, none was made, I asked for a copy of the check bearing my name there is no record of this. I asked for collection procedures and I was mailed a series of letters mailed to an address I do not live at. My Credit score was in the high XXXX to XXXX range and to have it intentionally destroyed without notice was devastating. I have attempted to resolve this matter with Citibank however they have refused to provide the information requested or try to assist in any way. I asked why was a credit report not pulled to reach me and I was told they do n't pull credit reports however they pulled a credit report to acquire my information to give a loan without making contact with me in anyway. I find it very disturbing that money was granted on an electronic signature and without getting my approval. NO effort was made to contact me. It would have been resolved very easily with a phone call. However my credit was destroyed without any attempts to collect this debt.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (KS)

I got a notification that 2 collections were added to my credit report and it dropped me almost XXXX points. I sufyes the first time I've been seeing these collections. I've never heard of the collection agency and when I called to ask what this credit was about I said. How come you're not contacting me? They said that they did, but I've never got a text message. From them and when requesting a validation of death, they refused and said that I could send them a letter but they weren't gon na send me anything because they sent me a text message and when I told her I never received a text message. They said they did and they have 2 dates saying it opened in XXXX, but when I called, they said that they count opened in XXXX but they didn't post it on my credit report until XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1700.00} Balance updated XX/XX/year> Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Payment summary XXXX XXXX  - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX C XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX