davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On about XX/XX/XXXX I wrote a check to XXXX XXXX for {$2800.00}. The check was inadvertently deposited and cleared my account for {$3.00}. I was asked to provide a subsequent check for the difference of {$2800.00}. I wrote a XXXX check and this amount cleared my account. During this time, I filed a dispute with PNC to see what happened with the original check. On XX/XX/XXXX a debit adjustment was made on my account for {$2800.00}. I immediately called PNC to figure out what this adjustment was. I was told this was for a correction to the original check. I was told the adjustment could not be called back and I would need to contact XXXX XXXX to have them refund me for a duplicate payment. I contacted XXXX XXXX and was told they had not received funds. Over the course of the past 2 weeks I have gone back and forth between PNC and XXXX XXXX and was told the funds were sent by PNC but was told by XXXX XXXX the funds were not received. I visited a PNC branch on Monday, XX/XX/XXXX and worked with a banker to try to resolve this issue. He called the adjustments department and advised me PNC was waiting for XXXX XXXX to file a dispute on the original check which deposited for {$3.00} and the funds were basically sitting there. No one prior to this conversation provided me with this information. He was able to have the funds " forced '' out to XXXX XXXX. The next day, I received a call from PNC, advising me the funds had been sent to XXXX XXXX. This is not the bank XXXX XXXX does business with. I again called PNC, and was told because the bank XXXX XXXX does business with the fund had to be routed to XXXX to further transfer these funds to XXXX XXXX. It has now been 5 business days since I was advised these funds were sent out and XXXX XXXX has not yet received these funds. I have been contacted by a complaint manager named XXXX with PNC and was advised she would be researching my issue as of Wednesday, XX/XX/XXXX. I reached out to her today and was told she has no updates. PNC has not provided me with information on this transaction and can not track these funds after they were supposedly sent to XXXX XXXX.
Consumer complaint received 2023-05-29
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. (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 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 original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : XXXX XXXX XXXX : Acct # XXXX. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 10 days will compel me to escalate the issue to the United States XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
Consumer complaint received 2023-12-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

I paid the payments without going two payments past due. However, AFTER paying the payments, on XX/XX/2023, Midland reported the account as 30-days past due and failed to show the payments made, and instead showed two payments made without being two payments past due as being unpaid. it also shows the account currently past due for two payments. I was denied credit on an unrelated account based solely on this incorrect information.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NY)

I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly 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. 

Date : Information : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I need these inquiries removed immediately
Consumer complaint received 2023-12-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I received a letter from Wells Fargo dated XX/XX/2023, 5 years after I closed my account with them. 

I called the number on the letter provided and it was a robot and was not Wells Fargo. 

I called the real number for Wells Fargo and got a hold of a customer Service person. When I called them to ask about the letter they stated the letter is legitimate and that I need to just deal with what they opened. They enrolled me in ID theft protection without my consent or authorization. They refused to close the account or provide any sense of remediation. When I explained to them that the number provided on the letter was fake and a robot, they stated I needed to call that number back to confirm all my information with the fake number.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IN)

National Credit Systems has reported a collection over a rental since XX/XX/2020. Their client, original creditor, was taken to court due to slumlord conditions in the property that I leased. 

This lawsuit was settled in XXXX with the debt been waived and released as part of the settlement. 

This was informed and mailed to the collection agency and they denied my legal request to remove this collection from my credit reports. This has caused me damages, since its affecting my credit score.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Date of attempt : XXXX Vendor : Equifax Situation - I have been advised by mail received earlier this month from XXXX XXXX XXXX XXXX of XXXX GA of a Data Breach. They instruct me to contact the three credit bureaus and place a fraud alert with each. 

I have today twice gone through the complete process of trying to file a fraud alert with Equifax, including reentering my personal info as requested, then to be indicated that I need to sign into my account, which I dutifully completed.. 
Only to be told my password and log in do not match. 
So I go through their screens to re-establish my identity. 
And once I hit Enter -- the error message come up saying " Can not process. Try again later '' Sheer incompetence posing as a service. 
They no more want to alleviate a data breach than I want to fly. 
But they're eager to sell you services. 

Not sure what you can do - other than to add my complaint to the millions already filed that document corporate credit bureau indifference, and underinvestment in necessary IT support for the customer load. 

I go through this every time I have to work with these people with data breaches. 
I've had enough of this repeated incompetence to stay silent any more.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I previously had XXXX XXXX XXXX, and the last two years I was in three car accidents, which all three were ruled not my fault, and the other parties were issued citations. While Im shopping around for new insurance, each insurance company is coming back showing that all three of these auto accidents are being reported as my fault and its causing my insurance to quadruple, I spoke to XXXX and they sent me letters saying that the accident were werent my fault but Lexus Nexus and the clue report that all auto insurance companies pull their information from is showing the incorrect information I have tried to resolve this with both XXXX and Lexus Nexus, and Im Being ran around in circles and nothing is being resolved. Ive sent identification documents to Lexus Nexus four times now and I am given some generic response that they cant pull my identity. I need this resolved immediately because it is preventing me from getting decent auto insurance and the inaccurate reporting is having a massive negative and financial impact on my life
Consumer complaint received 2024-06-24
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 (NC)

I recently received a copy of my XXXX credit report and noticed Discover card is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Discover card and XXXX multiple times and XXXX tells me the information they are receiving is coming from Discover card and is XXXX XXXX accurate and Discover card tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (GA)

I opened a brand new savings account with Citi bank with {$750.00}. My mail was stolen, and before realizing it, there were three fraudulent withdrawals made on XX/XX/2023 and XXXX leaving {$21.00} and change remaining. I became aware of this on the XXXX of the unauthorized transactions and immediately called Citi to report them. I was unaware a PIN would be assigned to me and mailed at the same time ( albeit a separate envelope ). I find this to be a great fault of Citi to do this. Additionally, the option to activate the card at an ATM contributed to the theft of my money. 

On the XXXX, I was in a class for my job. On the XXXX, I was working a standard XXXX hour shift at the XXXXl from XXXX. The paperwork from my job to prove this was mailed, certified mail, and I also attempted to fax the paperwork multiple times only ever getting failed results to two different provided fax numbers. 

I have since received my replacement card, but I can't let go of the fact that Citi 's " investigation '' department has declined all my requests for reimbursement. I even requested a copy of their investigation report and instead only received another letter of their denial to my claim. 

I have made approximately XXXX calls to the fraud department at this point over the past 7 months. During the first open case, I was never asked for any sort of supporting documentation. It was until my first appeal was denied and case was closed that the representative told me I could write a letter and mail ( or fax ) the documentation. I purposely paid for and sent these to XXXX XXXX XXXXXXXX in XXXX XXXX on XX/XX/XXXX and see the paperwork was received on the XXXX. When I called yet again for an update, the representative told me I would need to open another case and could not guarantee the mailed supporting documents would be tied to the new claim. 

Citi has greatly disappointed me in the handling of this matter. Ive even asked to speak to the investigation '' department directly to which I was told it would be impossible to do.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (MD)

My PenFed Cr Un ET AL XXXX XXXX CHECKING ACCOUNT Which is Joint with my wife & Power of Attorney advertisement says TWO DAY EARLY DIRECT DEPOSIT. 

Until today XXXX my paycheck always has been direct deposited and shows 100 % AVAILABLE on EACH & EVERY SATURDAY EARLY MORNING approx XXXX to XXXX EXCEPT DOES NOT SHOW ANY DEPOSIT OF MY PAYCHECK TODAY. 

My wife asked through their APPs SECURE email but EVERY AGENT HAS REFUSED TO ADDRESS THIS EXACT QUESTION BY ONLY GIVING NON-SENSE ANSWERS, MAKING EXCUSES OR AVOIDING ANSWERING THE QUESTION DIRECTLY - MORE ILLEGAL BUSINESS PRACTICES BY PENFED CR UNION ET AL? 

Would really really lije tge 100 % VALUD TRUTH? Can we charge Pen Fed Cr Un INTEREST FOR RESTRICTING MY ACCESS TO MY MONEY? Can they be Issued PENALTIES FOR THIS SAME RESTRICTION? 

My wife has all the emails & screenshots of secure emails requesting why, as proof for doj, FEDS TO SEE ALSO.
Consumer complaint received 2022-12-20
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. (AL)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I am writing to express my dissatisfaction and concern regarding the debt collection attempts made by Transworld Systems Inc. ( TSI ) in connection with an account associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response to my debt validation letter, which was sent by certified mail on XX/XX/2023, dated XX/XX/2023, and I would like to bring to your attention the inadequacies in the information provided. 

In my debt validation letter, I specifically requested details about the authority to collect the debt. However, the response from TSI did not provide any information in this regard. To facilitate a meaningful discussion about the debt, I would appreciate your prompt attention to the following questions : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, kindly provide the reason for not having one. If so, please furnish the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Furthermore, I would like to highlight that TSI has added its own personal interest charge to the debt, resulting in an inflated amount. It is my understanding that adding personal interest charges is illegal. The principal amount owed to XXXX was {$1300.00}, and according to the debt validation letter, the current amount owed is now {$2400.00}. 

I insist that TSI rectify these discrepancies and provide the necessary information in compliance with debt collection regulations. Failure to do so may result in legal action to protect my rights as a consumer. 

I request that you address these concerns promptly and provide a detailed response within 30 days from the date of this letter. Your cooperation in this matter is greatly appreciated.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 



Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

On XX/XX/XXXX I paid off the balance due on my mortgage via wire transfer. I still had approximately {$2000.00} in my escrow account. I have attached my XX/XX/XXXX statement, showing the principal due and the escrow balance, and a confirmation from my bank of the wire transfer. 

The mortgage holder has informed me, in a phone conversation, that it would take about 30 days for them to refund the escrow amount. 

While not a major problem for me personally, I find this practice outrageous. I see no reason why the money should not be refunded much more quickly - within a few days at most. Doing this every time a mortgage is paid off puts a huge amount of money in their pocket, for no reason.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC (IN)

Axia billing department stated they sent me statements three different times-once in XXXX, where I paid the amount due ( {$17.00} ), but they state I still had a balance ( {$66.00} ) after the coinsurance paid their part. They state they tried to contact me, via the United States postal service with a standard letter, in XXXX, XXXX and XXXX. I never received any statements, therefore it wasnt paid. Instead of contacting me through another form of communication ( for example, telephone or email ), they sent me to collections. I called them and paid the bill on the spot.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (FL)

Since XX/XX/23 I have been trying to access my account with EdFinancial who is managing my Federal student loan. I have made numerous attempts to enter my SS # and/or account number and birthdate which the system never recognizes. I have sent several emails and get pat responses telling me to register for a new account but in order to do that you have to enter your SS # and birthdate which they DO NOT recognize. The responding emails always say the same things directing me to begin again which is impossible because of not recognizing my info. We have also tried calling and the wait time is over 2 hours and when requesting a callback, either they never call back or the phone will ring 2 times and they hang up and you never get to speak to anyone.

Meanwhile now I'm getting an email that I owe 2 payments and I have NO WAY to make these payments. Interest and late fees are probably accruing and I have no opportunity to correct this. I have every good intention to make payments on this loan but am unable to do so. I will not be responsible for late fees and interest that accrued beyond my control and inability to access my account in order to pay.
Consumer complaint received 2023-04-12
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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