davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (NY)

I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX  and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. 
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wanted to reach out because I noticed something unusual on my credit report that has me worried. Theres an inquiry from a company I dont recognize, and I havent applied for any new credit or given permission for this. Its really concerning, especially since I try to be careful about my financial privacy.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (LA)

I was charged an annual fee on this card on XX/XX/18 in the amount of {$190.00} for a XXXX Platinum card. 

I found out about this and down graded the card to a no fee card. In the past the credit card companies have refunded the annual fee en toto and downgraded the card within 2-3 days There were no charges or benefits of the platinum card during the two day interval. 

I have been informed by Amex that they will hold the refund for 45 days, and then only remit a pro-rated amount, i.e. $ XXXX/365 days * 45 days. This is the case even though there are no other parties or disputes to resolve, so a refund could still be given in 48 hours. Also they are charging for the benefits of platinum, that I as a customer can not avail myself of. 

In addition, they claim since they say they read a disclaimer that they have a right to break from customary dealings and hold the float and XXXX out a prorated fee on a card I can't utilize. 

I think this runs afoul of consumer protections. The only support at Amex were offshore agents who have little familiarity, and stressed the disclaimer. 

Please spread the word about this nefarious practice
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (IL)

I submitted a dispute to Experian & XXXX  about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a complaint through CFPB on XX/XX/year>. I received a response from XXXX XXXX XXXX XXXXXXXX but I disagree with their final decision. As stated by CFPB through the website, " While there isn't a single law explicitly protecting a consumer in this exact situation, the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ) could potentially provide some legal recourse if a mortgage company reports missed payments to credit bureaus even after you've applied for and been approved for a mortgage assistance program and notified them of your job-related injury causing the missed payments. '' After the injury I suffered on my work site, I took all the necessary steps with XXXX XXXX XXXX XXXXXXXX to ensure my credit score would not be impacted. I applied for the mortgage assistance program, and I was approved. It was not confirmed that my credit score would be affected. It is said that XXXX XXXX XXXX XXXX should aid me in this situation because it is not my fault pertaining to CFPB policy. Additionally, I have paid off the balance entirely and submitted my most recent loan payment. I do not believe my credit report should be impacted. I would like to know if I could be provided legal recourse from CFPB to help me with resolving the issue. I have been a borrower for over seven years and have never missed a payment.
Consumer complaint received 2020-05-28
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. (GA)

XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.
Consumer complaint received 2018-11-07
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Account # XXXX Chase XX/XX/2018 - {$1200.00} I am writing to dispute a billing error in the amount of {$1200.00} on my account. The amount is inaccurate because i have canceled the order and contacted the merchant XXXX to make sure the charge was refunded. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of the order cancellation, and refunded documentation supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Order Cancellation, Refunded Receipt from Merchant.
Consumer complaint received 2018-11-07
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. (MO)

Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
Consumer complaint received 2023-07-06
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. (NY)

I disputed these accounts with XXXX Department of Education many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . A collections account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-11-15
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. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (AZ)

This private student loan was signed for by my father thru my XXXX XXXX XXXX XXXX that became XXXX XXXX XXXX XXXX was shut down to fraud and embezzlement and they used XXXX as there bank source. I never signed the loan docs Wells Fargo has never provided anything showing my signature. My dad filed a chapter XXXX Wells Fargo fought discharge but again they lost and the debt was discharged at the end of the 13 5 years later. They willing took payments from him that was against the bankruptcy code. But now since the Bk court figured out what they were doing they are trying to make me responsible for a loan I never signed. They will not talk to me and refuse to provide any proof as there is non or its fraudulent. Again look at XXXX XXXX lawsuit remember XXXX XXXX was the same people from XXXX. Now Wells Fargo is distroying my credit. On a 13 year old loan that I never signed for never delt with never did anything with. There is only 2 months of pay history reported on the credit report. Like I just took this loan out and defaulted. Where is the other 12 years and 10 months of reporting history? You have not not been able to prove ownership yet you destroy my credit. Please remove this off all of my credit files at XXXX, XXXX XXXX and XXXX. I have received no notification on this loan of statements or delinquent notices. So again please remove all negitive credit reporting and remove the whole loan off my report as I never signed any paperwork to have any liability for this loan.
Consumer complaint received 2023-07-06
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. (TN)

XXXX is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX  account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 21ST MORTGAGE CORP. (TX)

The house shows a volunteer repo i never agreed or received anything that the home was being foreclosed. I had a buyer at the time went to look at the home and had locks on the doors. Wired the full pay off balance from my back account and still shows a repo on my credit report when it should be a paid account. I am attaching files of where the money was paid by me.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kansas Counselors, Inc. (NE)

I had car accident on XX/XX/2019 and my car was hit and I forget to provide my medical insurance card to hospital at register and had time to bring back to hospital and providing it and after that I had many bills send with same information to provide way to pay medical bill related to incident and I answered the caller from Kansas counselors agency and its collection agency and the amount was even different its was {$31.00} and then {$150.00} and after that I had also another collection bills for {$1100.00} and its had my son name and he never been to hospital he was only with during accident but he had no injury and so XXXX XXXX XXXX charged my son for nothing too.
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Viewed credit file through Transunion in reference to XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Consumer complaint received 2022-06-23
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: TekCollect Inc. (CA)

Tek Collect Inc furnished a collection on my consumer report. Where did this collection come from??

TEK COLLECT INC, YOU ARE BREAKING THE LAW.

See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You TEK COLLECT INC, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: Commercial Acceptance Company (PA)

Commercial Acceptance Company Displaying a difference in which was actually due. XXXX XXXX XXXX XXXX  was my bank for five years prior to loosing employment. At the moment I requested a delete if paid letter. Haven't heard anything within 30 days
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

We sent a payment to Wells Fargo Dealer services who had the loan on our truck on XX/XX/2016 and they deposited in their account on XX/XX/XXXX. Their records show that it was posted on XX/XX/XXXX. The due date on my loan payment was XX/XX/2016 the payment was NOT 30 days late. We sent a payment of {$19000.00} which we thought was the amount we needed to pay it off. The payment was sent from a home closing we had and sent through the Title company. We've spoken to 4 different people at Wells Fargo Dealer Services and gotten 4 different excuses one was an out lie when the representative told us that the check sent from XXXX XXXX was for XXXX XXXX XXXX XXXX and something. Then another representative on another call told us the correct amount of the check and they said they applied it to principal per the instructions on the check. I have a copy of the check and it just has the account number. So in essence we made our payment on our truck and was NOT 30 days late. On the XXXX of XXXX they called us and said we still had a balance of {$140.00} and so my wife made the payment on XX/XX/XXXX but they said that they " reversed '' the payment. So we went into the bank and made the final payment of {$140.00} at the bank on XX/XX/XXXX of which our payments were STILL NOT LATE. A large payment was made XX/XX/XXXX so it was only 29 days late not 30 days late and then the final payment was made on XX/XX/XXXX which made it only 8 days late. Why they will not remove the 30 day late on my credit report I don't understand. And why they continually lie with different stories from different customer service agents I don't understand.
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (RI)

In XX/XX/XXXX I applied for an FHA rate/term refinance with Nations Lending. I was presented with a final loan estimate and they were charging {$14000.00} in fees! My new loan amount was higher than my original loan amount. I purchased the home in XXXX. I refused to sign the docs, the loan officer tried to explain how the fees were normal and I felt very taken advantage of. I just wanted to lower my payment a little so it was more manageable and I had even explained to the LO XXXX XXXX my intent was to sell the home within a couple of years. I'm not sure how this loan could have even come close to passing net tangible benefit because how could losing {$14000.00} be a benefit? I wouldn't recoup that loss for years. 
In late XXXX I contacted my own servicer, XXXX XXXX XXXX. They were able to do an FHA streamline rate/term refinance, it cost me {$53.00} to close and only raised by loan amount to {$220000.00} as opposed to {$230000.00}. They saved me the same, if not a little more, money per month and I am very satisfied. 

I think Nations Lending is corrupt and take advantage of people.