davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CO)

In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience.
Consumer complaint received 2023-11-16
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: JPMORGAN CHASE & CO. (SC)

The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. 

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

Westlake Finacial repossessed/stole my car out of my driveway. I put {$10000.00} dollars down and made payments as well. my consumer rights were violated. 15 us code1692F 15 us code 6802 and 15 us code 1692K.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally address the ongoing issue of late open accounts on my credit report. This marks my second attempt to rectify this matter, and despite my efforts, the discrepancies remain unresolved. It has come to my attention that there are late open accounts inaccurately reported on my credit file. Despite my initial dispute and subsequent attempt to correct this error, the late open accounts persist, casting a shadow on my creditworthiness and financial reputation. I have diligently followed the procedures outlined by your organization to dispute and rectify inaccuracies in my credit report. However, the lack of action and resolution from your end is concerning and unacceptable. It is imperative that accurate and fair reporting is maintained to ensure the integrity of my credit history. I urge you to conduct a thorough investigation into the late open accounts and take immediate action to rectify this matter. The persistence of these inaccuracies not only affects my ability to access credit but also undermines my trust in your organization 's ability to uphold fair and accurate reporting practices. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. (AE)

I am writing to formally request your intervention in a matter concerning an unjustified suspension of my account by XXXX, and the subsequent unresponsiveness of their customer service in handling the issue. 

On XXXX XXXX, I purchased a membership with XXXX and made the payment through my XXXX account. To my surprise, within a mere 24-hour period, my account was unexpectedly suspended. Upon reaching out to their customer support to understand the reason for this suspension, I was met with silence. 

It was only after filing a complaint with the XXXX XXXX XXXX a few weeks later, that I received communication from XXXX  They stated that my account was suspended on grounds of violating their terms and conditions, specifically for including personal information on my profile. However, upon careful review of their terms and conditions related to site use, I found no clause or provision that prohibits the sharing of one 's personal information. 

Eager to resolve the matter and abide by their request, I promptly began the process of removing the said personal information from my profile. But even before I could complete the corrections, my account was once again suspended. It's pertinent to note that I did not add any new personal information during this time, nor was I given adequate time to make the requested edits. 

Given the facts stated above, I firmly believe that I have not violated any terms and conditions set forth by XXXX. The abrupt suspension, coupled with the lack of clear communication on their part, has not only disrupted my user experience but also led me to question the value of the membership I have purchased. 

Therefore, I kindly request your esteemed office to intervene in this matter and ensure that I am granted a full refund for the membership, either into my XXXX account or as credit into my XXXX XXXX account. 

Please find attached a copy of the terms and conditions from XXXX XXXX  website for your perusal. 

I trust that the Consumer Financial Protection Bureau will consider my grievance seriously and help me get the necessary resolution. I am available for any further information or clarification you might need in this regard. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

Pennymac added my neighbors taxes to my escrow account. And paid these taxes using my money. Parcel number we own is XXXX. Parcel number pannymac added to my account is XXXX. One digit difference. 
Besides constant humiliation from customer service, Pennymac 1. Did not fix they error within more then two months. 
2. Performed two escrow analysis. Both wrong. Because they used my neighbors tax bills.

3. Pennmac still bill me with triple escrow amount. Instead of {$270.00} pannymac charging me {$1200.00} 4. Did not returned my money they spent on my neighbors taxes.

5. Refuse to except my monthly payments for principal and interest only.

6. Refused to close my escrow account.

7. Start to frighten me with foreclosure 8. Charging me with late payments 9. Reported me to Credit Bureau.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THIS COMPANY HAS LIED! I sent them a notice to cease all communications as described in the FDCPA and they have responded to the cfpb that they would " honor '' my request and that they were going to stop communicating with me. They lied because they are still communicating with me about the alleged debt, The account goes as follows : XXXX. It is still reporting on my consumer reports which is a violation of the FDCPA due to indirect communication to the consumer. The fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. This company stated that they do their best to ensure that they follow all federal and state laws but clearly I have just caught them lying. I have attached exhibits proving my claim. Please direct your attention to the date they last reported which was a couple of days AFTER telling the cfpb that they would cease communications! This company is predatory to consumers and must be stopped.
Consumer complaint received 2023-05-22
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

Over the weekend I was trying to use my credit card at a legitimate business when I got a text, call and app notification that there was fraud on my card. The only thing I can think of was that it was because I had just switched to a new phone. 

I called them when I got home and they asked me a number of security verification questions which I answered. They then said that wasn't good enough and they needed another phone line. I gave them my girlfriends phone number after which they said that it wasn't the right kind of phone number with no explanation. They then asked me if I had a third phone or a land line. I do not. They then said that they are going to mail me a letter. 

At this point in time, I was so frustrated with the process. I asked them to just close my account and send me my final bill because I no longer have access to my account online and I only receive electronic bills from them. They informed me that I could not close my account until I received the letter. I called back on Monday and asked them if I could file a formal complain and that again, I do not want to be a customer of theirs and want to pay my account off and close it so that any balance on my account does not accrue interest. Also, I do not want to have to keep calling them and providing new, even stranger information. They informed me that they can not close my account without this verification. 

Thanks, XXXX XXXX
Consumer complaint received 2023-03-15
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. (NY)

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX  {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXXXXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-08
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (OH)

Inquiries are on my report that I did not authorize. I put a fraud alert on my credit and creditors were still able to put inquiries on my report without giving me a call to verify that it was me. I do not recognize these inquiries nor did I apply for anything. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I noticed a student loan account opened in XX/XX/2022 on my credit report by XXXX XXXX XXXX servicer without my permission, validation, authorization, and verification nor does it have my signature to be placed ontheirplatform.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

I've been trying to resolve my debt with possible finance and when I tried to, they emailed me back & told me that the account was sold to a collection agency & that I'd have to reach out to the collection agency to settle the debt. I then responded informing them that the information that they are reporting on my credit isn't correct. They are reporting a balance on my credit when in fact according to the fair credit reporting since they have sold the debt it shouldn't be reporting on my credit with a balanced owed to them. They never responded to the matter & my credit still states this false information. I've attached the one communication l got from them stating that I didn't owe them anything & to reach out to collecting agency it was sold to.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

Someone attempted to commit fraud by trying to open a new credit card account in my name without my knowledge. I directly contacted the credit card company, informing them that it wasn't me. They subsequently denied the application due to identity theft. The issue is that this incident is recorded as a hard inquiry on my credit report, and the denial has negatively impacted my credit score. I need assistance in removing this inquiry from my credit report and obtaining additional protection for my identity to prevent such incidents in the future.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

American Express offers Amex Offers wherein customers can save a certain amount of money for meeting certain spending thresholds. You must add these to your card before making the purchase to be eligible. Prior to purchase, I added an offer for XXXX XXXX XXXX  to my Amex Business Plus card ending in XXXX where if I spend {$350.00} by XX/XX/2023, I would receive a {$75.00} statement credit back. This was eligible for rentals within the US and US territories and I had a purchase of {$570.00} which appears on my credit card statement for my card ending in XXXX as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a rental I made there. This transaction posted by the deadline of XX/XX/2023. I contacted Amex and they are refusing to honor this term as they claim it did not meet the requirements, despite everything showing that it does. I contacted them on XX/XX/XXXX and XX/XX/XXXX to resolve this matter short of filing this complaint and they have refused to honor their own terms. This is consumer fraud and clear bait and switch as I never would have used this card for this purchase was it not for the statement credit.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I've been using Robinhood for a couple of months now and so far it's been great. The problem started last Wednesday on XX/XX/XXXX after I wired in some money ( {$5500.00} ) from my bank into my Robinhood account. I was going to buy some cryptocurrency ( XXXX ) and then send it to my external wallet address on another platform. I've done this before without issues in the past. Robinhood has a policy that only allows a user to send out cryptocurrency in a XXXX period and the maximum amount to send is {$5000.00} crypto. The prior day on XX/XX/XXXX I had sent out crypto a few times to the same external wallet without issues. I contacted Robinhood live support to ask a simple question of whether I needed to wait for the last time that I sent out on the XXXX ( around XXXX Pacific time ) before I can initiate a new transfer. Immediately, the support person started asking me all kinds of questions such as which platform are you sending this to and flagged my account for security and restricted my account. They did not give me any explanation as to why they saw this as suspicious. 

Since then, I've reached out to Robinhood support almost every day asking for an update. On Monday, XX/XX/XXXX, I spoke with their Customer Support and they asked me a series of security questions and also had me submit a copy of my driver 's license and send in a selfie, which I did immediately. I have not received any further updates from their security team and every time I speak with their support, I am just told to keep waiting until their security team lifts my restrictions. 

This is now beyond XXXX business working days and my money that is sitting in my Robinhood brokerage account is stuck. I am not allowed to withdraw back to my bank. I can not do any trading or sending of my money. It's completely locked out while Robinhood is holding my money hostage. Other exchange platforms try to resolve this within XXXX business days. At this point, I find their security protocol and communication to their clients completely inefficient and lackluster. There is no way for a customer to speak with someone in their security team, nor do they provide any further details or updates on my account situation. How much longer do I have to keep waiting before I can get access to my funds? I am seriously considering taking my business elsewhere once this is resolved. 

Please work with Robinhood and urge that they come to a resolution as soon as possible. If they do not want to lift the restrictions from my account, then at least allow me to withdraw all of my money back to my bank. That's the least they can do instead of letting my money just continue to sit there and preventing me from getting access. 

Thank you, XXXX XXXX