davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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: PNC Bank N.A. (PA)

on XX/XX/2020 i paid off my home Equity Loan in full Account number XXXX. The proceeds from the sale of my marital property funded the payoff of the account. I had been in CONSTANT contact previous to the payoff asking for amnesty under the CARES act for the late payments on XX/XX/2020, XX/XX/2020 XX/XX/2020 XX/XX/2020 i explained to them that based on the COVID 19 virus i was furloughed from work and unable to get caught up. I asked for amnesty and deferrment but was granted NEITHER because they said the property was listed for sale. Once i paid the account infull i was told the late payments would be removed based on the tenants of the cares act. I have since made calls and sent letters to the three Credit Reporting agencies with NO RESOLUTION. I havent even received a response by mail from the Credit Reporting agencies to provide resolution to this problem. I am now seeking help from the CFPB to have these late payments forgiven under the cares act. I am not able to purchase another property and am faced with losing the housing arrangement i have set up with my current landlord BECAUSE these late pmts RESTRICT me from attaining another Mortgage under FNMA and FHA guidelines
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ND)

My synchrony card for XXXX XXXX had brought down my credit limit from XXXX to XXXX. I owed XXXX at the time they did this. One week later my promotional Purchase ended which resulted in a fee of over XXXX dollars and now has put me over the limit. I have one other promotional fee on this account and that ends in 60 days so I  know that there will be a large fee from that also. So my Credit report will show I am over the limit on this card. It will take me a while to pay down XXXX and this will sit on there for a while. 

I also think the fees on each purchase is very high. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$3100.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Consumer complaint received 2020-09-16
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: BANCO POPULAR DE PUERTO RICO (NY)

My name is XXXX XXXX and my card account no. with Popular Credit Services ends in XXXX. I called their XXXX  on my flight boarding date back on XX/XX/2020 requesting to close my account, and got confirmation both over the phone on that day, and in their written letter sent in in mail that my account has been closed after my leaving the US. However, I still keep receiving new bills which includes an annual card fee for the next year. So I called their XXXX   again on XX/XX/2020, after wasting over half an hour getting connected and disconnected for no reason, I was told a different answer that my account is not closed, and there is no supervisor on floor who can do the fee adjustment or explain to me, and there won't be a same day call back. The worst card services I have ever received. 

All new charges should not have occurred if they closed my account upon my request. I am willing to pay all merchant charges because I have to pay them through my other accounts anyway, but I am not paying their card annual fees posted after my account cancellation. 

Besides, let me tell the reason why I chose to close their card account while keep my other cards active. Last time I filed dispute against two charges from XXXX XXXX  that was not informed, not authorized and not signed for, the same thing happened that their XXXX  rep forgot to input my disputes into their system, and I had to file them again. They always forget and I can't stand them anymore. Even after my account closing, I am still entitled to a credit/refund for those two disputed charges, which I heard nothing back from their office. They are not exempted from giving me a resolution of the dispute investigation, they are just losing a customer.
Consumer complaint received 2020-09-15
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)

From XX/XX/2020 to present I've submitted disputes to XXXX XXXX  and XXXX  regarding my XXXX XXXX Account reporting past due for the month of XX/XX/2020. XXXX   provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that XXXX XXXX never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted XXXX XXXX  and explained that the letter had a different account number. According to XXXX XXXX, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, 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. (WI)

I periodically get alerts from XXXX and they were sending me alerts that there were inquiries on my report that I did not authorize. I did contact the creditors to find out if they extended credit to someone in order to determine if this was a case of identify theft and there wasn't any credit extended. I am not sure how my information was shared but I do want the inquiries removed. I have already contacted XXXX in order to have them removed from their file. 

I am seeking to have the following credit inquiries removed from my credit report. 

TransUnion : 1. XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX   XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : 1. XXXX XXXX    XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX N.. 
XXXX XXXX, MN XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

This is now my 3rd complaint filed against LoanCare. 
As I have not received a response to my formal complaint thru the State of Michigan Dept. of Financial & Insurance Services for attempting to game the CARES ACT Forbearance provisions, and time is of the essence, I am forced to file this complaint. That & this complaint have to do with LoanCare arbitrarily changing the beginning & end dates of my now two periods of forbearance. As they have to failed to respond to that complaint in a timely manner & I expect them to continue their previous behavior I have been advised to formally state at this time my continued right to an additional term of forbearance on my two mortgage loans ( XXXX XXXX & XXXX XXXX ) due to a XXXX related hardship. The current term Im in correctly ends on XXXX & the new additional term will commence on XXXX XXXX. Essentially this same message has been conveyed to your President, Mr. XXXX XXXX. However, I have no idea if he will act in a timely manner to protect my rights. Therefore I have no other recourse other than to lodge this complaint against them & formally state my right to an additional term of forbearance.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (HI)

the Company Loan Care XXXX XXXX reported that i missed a payment on the month of XX/XX/2019.XX/XX/XXXX and XXXX they put me on forbearance without my approval..XXXX theyi called them to take out my forbearance at the same time paid XXXX and XXXX balance since i had previously have my payment deducted monthly i was expecting they gon na take out the XXXX mortgage but not intead i been getting late payment from XXXX bill
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (MI)

Keep calling my family looking to talk to me. Calling me several times a day and when I ask what about they refuse to tell me then tell me that they are suing me. I asked for validation for debt but refused to get me the information. They still wont tell me what the account even is so I am not sure if its even mine.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NETWORK CAPITAL FUNDING CORP (CA)

On or about XX/XX/2020, I spoke with a representative from Network Capital Funding Corporation regarding mortgage interest rates. During the call I did not give permission for my credit report to be run, and told the agent I was not going to begin providing requested documents he said would be needed to begin the process. I had already refinanced twice during XXXX and did not have confidence that my current rate could be better. I did provided the agent my current loan amount, monthly payment, and my interest rate. My instruction was if you can do better, let me know. 

To my surprise, on or about XX/XX/2020 I received a " Welcome Package '' from XXXX XXXX regarding a new loan. To my surprise, my credit had been run without my permission, and the offer being presented was not better than what I currently have.
Consumer complaint received 2020-10-10
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: EQUIFAX, INC. (VA)

Ive contacted Equifax, XXXX  and XXXX  XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late  payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

EQUIFAX has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

On XXXX, I sent {$50.00} to each of my grandsons for their birthday from my Cash App account ( $ XXXX {$81.00} ). The funds were sent as two separate transactions to each of their Cash App accounts ( $ XXXX $ ) ( $ XXXX $ ). 

Neither grandson has received the funds, although my bank ( XXXX XXXX XXXX ) shows that each transaction for a total of {$100.00} was transferred from my checking account. The funds were sent to the Cash App account of each grandson and it appears that the funds were received by the grandsons but they did not get the money. They have been unable to receive the funds. 

I have spoken to Cash App customer service multiple times as well as attempted to file a dispute with my bank. However, neither has been able to explain what happened to the funds. My bank will not give me back my money. 

I believe that my Cash App account has been hacked by scammers and Cash App refuses to acknowledge the fraud.
Consumer complaint received 2020-10-10
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. (VA)

Ive contacted XXXX, XXXX  and Transunion XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX and Transunion XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Consumer complaint received 2020-10-10
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: National Credit Systems,Inc. (TX)

They are charging me a debt that does not exist, I appear in person at the office and the debt is closed, now they want to charge me an amount that does not exist
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

I have a credit account with XXXX XXXX through TD Bank. Im trying to make a purchase however TD Bank is telling them I am ineligible due to my account status. I have paid them on time and ahead of time. Ive attempted to contact XXXX and TD bank. On XX/XX/14 I spent 3 hours on hold with TD Bank and never got anyone to answer the phone. I have loaded a screenshot of the call time. 

The number Ive tried calling is XXXX. I even called at the time their call center opened and was on hold for 30 minutes without an answer.
Consumer complaint received 2020-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 I was showing my grandson a game called XXXX XXXX XXXX  on my phone. He grabbed my phone and within seconds I had 6- charges of XXXX ea charged through XXXX XXXX to my PayPal account and out of my checking account. PayPal has refunded 2 of them but refuse to return the other 4. I am retired on XXXX and these charges expected amount is absurd. And to let 6 go through in seconds.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (KY)

I have never been a client or customer of CitiBank, and I received a debit card and temporary PIN number in the mail today, Friday XX/XX/20, from them. I did not ask for an account to be opened or request a debit card. I immediately called and was connected to the Debit Card Fraud Department, spoke to XXXX, and froze the account. I have not received any checks in the mail, but I told her the sending of the debit card in the mail unwarranted is against the law. She said they will do an investigation on their end and to call Citibanks Citi Identity Solutions Dept. when they are open on Monday, XX/XX/XXXX. I told her that I need a confirmation in writing mailed to me of the closure of the account, but she said I need to reach out to Citi Identity Solutions for that letter.
Consumer complaint received 2020-09-24
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. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX