davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (AL)

On XX/XX/XXXX i went thru the drivethru to trade in my money that i washed because some was torn in washer and i had to take it. i been washing my money since covid and the first time it was torn. i was told my money is counterfeit i wasnt getting my money back i say how i got XXXX in XXXX  's from XXXX XXXX  atm and the two XXXX come from there atm at this branch location and i spend one XXXX at XXXX they use the pen gave me change so in all pnc took XXXX they were very irrate and hostile i have XXXX so i called the police because i need to have record of how much money they took told she said she would mail me a paper but i wanted something now. She ( Branch Manager ) l. i said i have another XXXX  right here and i still see the lines and everything so i failed to believe it is fail she kept hollering saying it was fake so i told her i will just take that XXXX to XXXX XXXX and let them check it i did afterwards and they said it was real. the police got the report for me i was never told anything about a process or how it work i called customer service to file a complaint and see how long and what is going to happen far as me getting my money back they only email me to call them i left several messeges by phone and email no responses because my situation could been went all the way wrong cause the police said if i would have left she would have press charges on me for theft by deception. and the manager kept trying to get me to leave, and still no answers.i withdraw all my money she didnt even give me a receipt for that and i asked to closed my account cause never in life have i even went through nothing like that before. the teller and the branch manager need to go to customer service training and do better. i could have been another XXXX XXXX with the irateness and had the police not have handled it in a good matter.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX XXXX illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XXXX XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a shipment through the chase bank, to which they said it would arrive in 5 business days I gave an account number to which I was going to arrive, unfortunately I made a mistake in a number, you pervaded me and I went on XX/XX/XXXX, the employee He bluntly told me that it was likely that I would lose it, but if I insisted on my part, he went to try to cancel the shipment and told me to wait for a call from them, I have gone to four banks and called but they tell me that it is possible I lost it and the employees only answered that when it was communicated to the XXXX XXXX  XXXX XXXX XXXX and the money did not arrive there either
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert J. Colclough, III (MI)

First it started with a phone call every few days. Now they call every other day numerous times. At first I told them this did not sound like it was my debt and I wanted them to send me proof. Instead I keep getting automated phone calls all day long. So I don't even answer my phone anymore. They finally sent me a debt collection notice for a credit card I never had. I even checked my credit reports and this debt has never showed up on my credit reports. This company is hounding me for a debt that is not mine and it needs to stop!
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Please put this account back on, these were accidentally deleted. 
XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Consumer complaint received 2020-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

XXXX XXXX and Citi Credit Cards do not give you points as stated on your credit card statement. Citi has failed to send XXXX XXXX over XXXX points over 4 years! XXXX XXXX will not help as they say we only reward you what Citi sends us.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (IL)

I took out a loan in XX/XX/XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XX/XX/XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my XXXX score reporting XXXX. If I took out a XXXX dollar loan in XX/XX/XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received an email from the bank saying that I received the amount of {$1000.00} in my account from the Application XXXX. I was happy because my son told me that he was sending the money that I asked to borrow me. I checked my account in Bank of America and never received that amount. My son account was charged for the amount but I never received it. He use my email address to send the money. We called the bank Bank of America one lady its name is XXXX from California. Also we went to our brand location but they said they were not able to get it the app transactions. They gave us a number to call. I don't received any response on the customer service number.
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, Black Law Dictionary, 6th Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Filed dispute with pro collect inc. on XXXX.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (IL)

I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Upon my mother 's death, we learned that her estate included two pending settlement checks. We discussed this with her local branch of Chase Bank in XXXX, Indiana and they recommended a joint account that they would set up to receive funds. We deposited a settlement check into this account on XX/XX/2020 for {$4500.00}. When we checked on the account on XX/XX/XXXX via our Chase BANK app, the account was gone. Neither of us received any notification that there was any problem with our deposit. Numerous calls, all of which involved me repeating the same information, resulted in their " customer service '' asking us to visit a local Chase Bank branch to get it resolved. My brother did and brought the requested documentation. The " relationship banker '' at the XXXX XXXX, Indiana branch took the documentation and then said our case was referred to " the executive '' with no explanation of who or what that was. All calls to the branch went to voice mail and they did not respond to our emails. Calling the corporate number and repeating the story AGAIN to new representatives showed that the branch had not forwarded the required documentation. The representative gave me a number to fax the required documentation to, which I did. I have now had to call and repeat all this YET AGAIN to a lower level customer support person who really has no idea what they need. This is, without a doubt, the most inefficient customer service I have ever encountered. We have acted in good faith from the beginning and Chase Bank treats us as if we did something wrong. Hours on the phone have resulted in getting shuffled from one representative to another, wasting hours of my time. And they still have our deposit, made in good faith, in " holding ''.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (MN)

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/2020, XXXX  XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

The morning of XX/XX/XXXX my USAA checking account had an unauthorized charge. While I was on hold with the USAA someone made two more purchases on my account. I was originally told I would see my funds in 3 calendar days. After that they told me it was three calendar days from Monday XX/XX/XXXX. After that I was told it was 10 buisness days. On Friday the XXXX of XXXX I was told there was never a claim issued. On XX/XX/XXXX I was told there was a claim file on XX/XX/XXXX and another filed on XX/XX/XXXX. Finally today XX/XX/XXXX a XXXX called me and said they have 10 business days to resolve the claim, which would put them at today XX/XX/XXXX, but their fraud department is backed up. After talking to the bank this morning there is no plan to issue my funds today. I am out almost {$2200.00} from my checking account and after today those funds have been missing from my account for 14 calendar days and 10 business days.
Consumer complaint received 2018-01-31
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: HW Holding, Inc (FL)

I had an erroneous collection account being reported on 2 of my credit reports by Hunter Warfield. I  contacted Hunter Warfield on XX/XX/XXXX, by telephone at XXXX and spoke with a supervisor named XXXX XXXX in Hunter Warfield 's Consumer Resolution Department. She advised me that this account would be removed and sent me the attached letter dated XX/XX/XXXX, stating the account was cancelled in their office and it would be removed from my credit reports. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I am receiving collection calls from Hunter Warfield stating that I owe this debt.
Consumer complaint received 2020-09-16
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. (CA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

XXXX XXXX own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

XXXX XXXX is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

The company is a collection agency but I informed them that this was a debt from a XXXX worker who didnt turn my equipment in. Instead had cable at my address in there name. I reported to there fraud department I thought this was taken care of because I have XXXX still they had to create me another account
Consumer complaint received 2020-11-14
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: Experian Information Solutions Inc. (NJ)

Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.