davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (GA)

In XXXX I and my husband, we were in a hardship situation. My husband lost his job. I was not working that time due to XXXX  XXXX. We were unable to pay our credit cards on time, but I was every time calling the companies to let them know about the situation that time. They were calling us many times a day. We decided not to answers to their calls. It was painful and frustrated for us. We were stressed. In XX/XX/XXXX, I found a job that fit with my condition. All the money I earned that time allowed us to pay our rent, the car insurance and our car with XXXX XXXX XXXX. We did not want to lost the car. In XXXX my husband found a stable job where he is until today. In XXXX the financial situation improved we decided to pay the debts we had. Almost all accounts were sent to collections. Were paid as agreed with the collections agencies we paid every thing. We asked to forgive us, because we were not able to pay monthly as agreed. Most of companies removed our accounts from serious delinquency, PNC BANK, XXXX XXXX AND XXXX 'S did not want to do so. The main concern of our complaint is we need another chance. We have stable jobs now and are able to manage our finances. We need your help if those companies can remove those accounts from serouis delinquency. This situation affects us so much we are first time home buyers. Every time we apply for a loan we are not approved because of those accounts on serious delinquency. The credit limitsfor PNC BANK WAS XXXX $ with late it was around XXXX XXXX I had pay according to the settlement around XXXX $ and something. XXXX XXXX XXXX $ credit limit with late fees it was around XXXX $ I have paid according to the settlement XXXX $ and something, XXXX XXXX CREDIT limit XXXX $ XXXX paid XXXX $ and something. We have never wished to lived the situation we had that time. We are asking for forgiveness. We want to have our own place we are at this address for XXXX years. It is time for us to move on. We are ready to have our own place. We have XXXX children. It is going to be nice for them if we move to a new house. 
Name : XXXX XXXX XXXX EMAIL ADDRESS : XXXX Home address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Note : I have changed my last name. 
The time I had those accounts my full name was XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (VA)

I made 2 purchases from XXXX online using my direct express card. One on XX/XX/XXXX, where I cancelled the order before the items were set for curbside pick-up. XXXX order # XXXX. The total amount was for {$140.00} I was told by XXXX when I cancelled that the authorization hold that is put on my debit card when making a purchase online would drop off and my money would be credited back to my debit card. It hasn't been. 

On the 2nd XXXX.com transaction I placed and order on XX/XX/XXXX to be shipped to me. When I received my order one of the items was damaged and I returned it and was supposed to be refunded. The original amount charged my debit card was {$210.00} or which I was to be refunded {$97.00} for my return. I have not been refunded at all. My debit card shows the an error message XXXX XXXX. When I look that code up it says something about fraud. When I called XXXX they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. I get the same story as the first transaction. No one at XXXX seems to know what's going on.. they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. When I call direct express I can't get a human being in the phone. 

This makes no sense to me. My transactions with XXXX are pretty simple straight forward transactions. I have no idea why direct express isn't crediting my debit card. I live on XXXX and I need my money credited back to my account. I tried to get a live human being in the phone with direct express and was holding for over 2 hours. I have multiple physical XXXX and it is insane that I should be holding for a direct express customer service rep. Please help me
Consumer complaint received 2021-12-07
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: CITIBANK, N.A. (NJ)

XX/XX/XXXX 8 Fraudulent Orders were placed on XXXX using my credit card. Each in the amount of {$74.00} XX/XX/XXXX the 8 charges were posted to my Citi credit card As soon as I noticed the charges on XX/XX/XXXX, I called Citi to file disputes against those 8 charges. The agent I spoke with filed them under " fraud disputes '', which was later denied by Citi given the fact that I had ordered from this merchant before in the past. 

On XX/XX/XXXX, I had to speak with a different Citi agent to re-file those disputes under " purchase disputes ''. 

On XXXX, the merchant responded to Citi claiming that the charges are valid simply because they have a transaction and that their " tracking '' states shipment was completed. In regards to this : if you check the tracking number associated with the fraud orders, none of them were delivered to my address. My address is in NJ and the XXXX tracking says delivered to XXXX All 8  of the orders in XXXX order summaries actually have the same XXXX XXXX tracking number. XXXX even changed the status of the 8 fraud orders to " frozen '' which means that they knew these orders should not have been placed, but did not reverse the charges just because the tracking had started. They are using the excuse of " shipment '' to claim money. ( documents attached ) I have also attached 2 of merchant communications to me stating that I should resolve this with my bank. I have spoken to the merchant multiple times via their messaging system, but I do not have records of that. Each agent I spoke with understood what was happening but did not have a path to escalate my issue for resolution, and advised I email them. I did, and both times they asked that I refer to my bank. 

I have also appended additional screenshots to this email to show that the XXXX charges were fraudulent. The seller and product that was purchased has been made unavailable. I also checked the product that was purchased and saw in the reviews section that others had experienced the exact same issue - someone using their card and placing multiple orders for themselves. 

As of today, XXXX, 5 of my 8 disputes have been denied and Citi is claiming " customer responsible '' which is completely unfair. It is clear that I did not authorize these charges on my credit card, and that my information was stolen. This means that 5 of the 8 disputes have had their conditional credits reversed, so the values are back on my account to be paid.
Consumer complaint received 2021-11-07
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: Experian Information Solutions Inc. (FL)

This account, ( XXXX ) has been closed since XX/XX/XXXX. XXXX and the credit bureau ( Experian ) has continued to report negative information on this particular account. No more reporting of information should be happening. This must cease immediately!! They have reported in XX/XX/XXXX that this account is negative. According to the FCRA, no more negative reporting should continue if an account as be closed, paid, satisfied, included in a bankruptcy. Why are you continuing to report??? Im demanding this account be removed immediately or I will file a lawsuit against both XXXX and Experian for continuing to report negative information on my credit report after the account has been settled. You are totally breaking the FCRA guidelines.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

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  is reporting that because my card was in my possession, these charges were authorized and can not be reimbursed.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Prior to the pandemic, I was making my payments regularly and I was able to pay more than the monthly amount due. I asked if I could make principal only payments in addition to my monthly payment and waa told that this was not possible. This ks absolute nonsense and seems to me to be a way to keep individuals in perpetual debt. By making regular and principal only payments, I can pay my debt off faster, but this is not possible with FedLoan.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OR)

I applied for American Express credit card on XX/XX/21 and got approved for the sum of {$10000.00}. I have been using my card and paying my monthly payment accordingly without missing any payments. 

However, I just received an email stating my credit limit have been reduced to half of the initial credit limit on my credit limit. This totally un acceptable, since I was never behind on my credit card payment. 


I received an email that my credit limit is been reduced without any warning or anything saying such when I signed contract with them. I believe this have been racial profiling against me and my financial capabilities. I demand an apology and my credit limit to be restored to the stated approved credit limit. I believe this is miss used of power from " America Express '' and nobody should go through this discrimination ever!
Consumer complaint received 2021-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I mailed my letters to XXXX, Equifax, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NC)

XXXX, XXXX amount {$15000.00} Letter to remove inaccurate credit information. Sent to all 3 credit agencys. Need XXXX to remove. Hunter Warfiled Inc XXXXXXXX XXXX XXXX XXXX XXXX FL
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still inquiries reporting on my credit report. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo illegally reported my mortgage as currently and previously for the past years showing Delinquent ; as it is not and at any point it should not be or previously show delinquent. In the past received a Modification and WF noted would not report past due during covid and also prior to covid worked with specialist XXXX XXXX due to WF illegally treated me unfairly with improper mod agreement. 
WF continues to treat me unfairly and falsy report derogatory info for years and should pay for it by relieving my mortgage payment s for A YEAR due to their negligence. 
Intentionally placed my credit report in jeopardy and derog status by incorrectly reporting false and derogatory information. 
WF intentionally and continuous mistakes by treating me unfairly as this is atleast what they should offer. At this point they should be penalized by offering no mortgage pmt relief for the next 12 months due failure to report correctly. 


First incident-mod agmt kicked out due to making a pmt at a drive thru and they/XXXX XXXX stated pmt was late as it wasnt -they immediately started foreclose process as I got HUD/CFPB complaint involved to correct . 
2d time-opened 3 checking acts without my authority and request to close as they refused to close-/file complaint w/CFPB 3rd time - continued to charge me pmi after I paid over 30 % of bal and inquired as they stated they removed pmi as WF lied, reported to cfpb as WF had to reimburse me for the overpayments 4th time-refused to offer proper mod agmt after I informed WF should be in a forbearance plan/showed proof of unemployment- instead WF offered HUD partial claim, file complaint w/CFPB & HUD as HUD resolved . 
5th time XXXX same situation-got laid off & provided HUD partial claim, higher rate and longer term as they should have offered forbearance mod agmt.-HUD involved and file complaint with CFPB as well..

This is the 6th time WF has treated me unfairly. When does it stop and how many times do they get away with this? WF must own up to their mistakes, with all of these illegal and fraud situations I have be treated unfairly and ended up pay additional interest, start my mortgage all over again in XXXX, after paying over XXXX into it since XXXX, and WF get more funds from me repeatedly. Yes they must own up to their mistakes by relieving my mortgage for one year OR remove the whole debt due to fraud.
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (GA)

On XX/XX/2021 via certified mail with return receipt, with the following tracking number ( XXXX ), I consumer XXXX sent Prosper CEO, XXXX XXXX a CEASE AND DESIST letter, along with an Affidavit of Truth. On XX/XX/2021 it was delivered, but Prosper failed to sign the return receipt acknowledging they received the communication. In the letter, it stated to cease and desist the collection of this alleged debt as well as cease contact with 3rd parties such as the Consumer Reporting Agencies. Prosper willingly continued to contact these 3rd party Consumer Reporting Agencies. Prosper also failed to rebut the affidavit. An unrebutted affidavit stands as truth in commerce. Prosper further closed the account as a charge off, which is also a violation of the cease and desist letter that they received on XX/XX/2021.
Consumer complaint received 2021-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I fell like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items writing 30 days gives a reason to immediately remove these items from my credit report. It has be over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information may also have been impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I mailed my letters to Transunion, XXXX, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.