davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

The company reported and continues to report late payments on my account despite the fact that we both signed a mutual repayment plan agreement. My mortgage account was directly affected by Covid 19 pandemic and due to that it was approved for 5 months forbearance under The Department of the Treasury CARES Act and the Consolidated Appropriations Act in relation to COVID 19 Pandemic. 
My understanding throughout this process is that we have a mutual agreement for repayment plan, and have I known of the negative implications on my credit score then I would have discussed other available options at the time including modification!
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion regarding their failure to investigate inaccurate items on my credit report despite multiple attempts on my part. On XX/XX/2023, and XX/XX/2023, I sent dispute letters to TransUnion requesting an investigation into erroneous information present on my credit report. Additionally, I contested incorrect personal details listed on my credit report. In both instances, I included a copy of my photo identification, social security card, and a recent bill displaying my current address to assist TransUnion in verifying my identity and address. 

Despite my diligent efforts to rectify the inaccuracies on my credit report, TransUnion has repeatedly failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a thorough investigation into the disputed items. 

I received a response back from TransUnion dated XX/XX/2023, and XX/XX/2023, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

TransUnion 's failure to conduct a proper investigation and correct the inaccuracies on my credit report constitutes a violation of the FCRA. Despite providing all necessary documentation to verify my identity and address, TransUnion has yet to consider its legal obligation to ensure the accuracy of the information contained within my credit report.
Consumer complaint received 2023-09-01
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (SD)

I made a payment of {$3700.00} on XX/XX/. The funds from this payment were held and my available credit was not updated until XX/XX/. I have been making large payments for months and was aware that the company had a tendency to process payments slowly or hold payments from available credit. I understand this practice and policy and respect it. However, I had called in the past and asked specific details related to payment processing in my available credit, and was given various different answers. Although this is absolutely just human error and does not change their policy, this human error caused a massive impact to me. I made this exceptionally large payment as part of paying my bill in full with the understanding, based on previous conversations, that I would be able to use the available credit within a few business days, I had a bill due for my electric at a much higher amount than normal that was requiring payment or electric services would be interrupted. I have called in the past and had holes removed, but in this instance, the hole can not be removed, likely due to the large amount of my payment. Although again, understandable because of misinformation, this was impact my ability to pay a bill. I talked to several individuals and actually asked to be escalated to their executive offices following complete standards, and was told that I would get a call back. I have not received any communication whether verbally or in writing. My funds were eventually released. However, I had to remit payment from borrowed funds and from what was left to pay my bill in full. This is caused late fees from my electric company that I paid, and because I did not pay my bill in full interest charges for the account. This fall information seems very deceptive and altering an impactful. Additionally, theres no way for them to return funds from a payment or release them even with proof from the bank for situations such as mine. Meaning if they truly had a bank error that caused the customer would be out of luck, and they could cause real harm.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (FL)

Has not credited {$36000.00} to my account as funds available after more than 15 days - Evasiveness, nonresponse, causing harm, emotional, physical, 2 weeks after proving that my Federal Society Security Checks were valid with 5 letters from SSA SSDI Deposited {$36000.00} on the XX/XX/2023 
To date, I do not have access to my funds past the 14 day maximum that a bank can hold funds by Federal Law. 
Discriminatory practices against a XXXX person under ADA Act of 1964 Predatory behavior to vulnerable persons at risk Denial of temporary loans untill unfair leading practices and discrimination against poor and XXXX persons. 
Female teller who received my deposit created an atmosphere of abuse, making me feel bad for trying to get access to my own money. 
Horrible horrible behavior from the PNC Bank of XXXX, and XXXX, Florida, the Bank that " Cares ''. Good Marketing, what a lie. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On Thu. XX/XX/XXXX, my XXXX XXXX tied to my Citibank checking account was declined twice at a point of sale. I called the bank to ask why and they said the account was locked due to a KYC issue involving my sister who I live with and who is a passive co-signer on the account in case I get sick. They said they had not heard from her in a while and tried to contact her. They offered to have me answer the KYC questions so I did. These were simple KYC questions to confirm cohabitation and the name of her employer and salary range. I answered these and they announced that they were going to recommend the account be opened and it would be opened in 24-48 hours. I later learned from my sister that she did speak to them earlier that week, XXXX. XXXX, and had answered these questions. 

It's been 8 days so far with this locked account. I have had to migrate all of my transactions to my wife and my other account at XXXX and open an online checking account, as well as change all of my employment disbursements. This is a huge. hassle. I called them every day from Thu. XXXX-Thu. XX/XX/XXXX except for two days, with hold times of 30 minutes, on two KYC department numbers. They still won't unlock the account, citing different reasons such as not being able to due to not being the analyst working the case, longer than expected wait times, and technical difficulties affecting account unlocking. The other thing is, they have told me that I am right to expect the account open, nothing is wrong, and that they have " escalated '' the urgency of unlocking the account three times.
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

On XX/XX/XXXX I received a letter from MOHELA indicating that I had made XXXX PSLF qualifying payments. 

On XX/XX/XXXX I received a letter saying my student loan had been forgiven under the XXXX program. 

On XX/XX/XXXX I called MOHELA asking about if the XXXX extra payments were eligible for a refund. XXXX indicated that any payments made after XX/XX/XXXX would be reimbursed from the Department of Treasury. She indicated it could take up to 90 days to receive a refund. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. After hours of waiting and XXXX disconnections, a supervisor named XXXX advised me that there had been a mistake in processing and I was due a refund but it had not yet been processed by the Department of Treasury. She said she would ask for the process to be expedited since it had already been such a long time. 

I received a call from XXXX indicating that my refund was approved by the Department of Treasury on XX/XX/XXXX. The refund could take up to 90 days. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. I was told that I was due a refund of {$10000.00} and I needed to give it at least 90 days from the date of approval. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund and I was told it had not yet been processed by the Department of Treasury and to continue waiting. The customer service representative confirmed the refund in the amount of {$10.00}, XXXX. 

It is now XX/XX/XXXX and I have not received a refund. I have spent no less that XXXX hours on the phone with MOHELA. I have asked for written documentation that I am entitled a refund, and they refused. I asked for some form of communication from MOHELA when the refund has been processed and they have never communicated with me. I have asked to speak to numerous supervisors or for a number I can call at the Department of Treasury and they said they were unable to do that. The only thing I have every been told is to keep waiting. It has been almost a year since my loans were forgiven.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.
Consumer complaint received 2024-04-23
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. (VA)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On or around  XXXX   XXXX ,  2013, I w as made aware of a credit card opened in my name with several charges I did not induce. Upon calling  XXXX   XXXX , I was given the run around and eventually was told there was nothing they could do. Since then, the account was tossed into collections with a company named  Portfolio Recovery Associates, LLC.  I have since attempted several times to contact them to inform them that his debt was not mine, only to be told otherwise, that I was indeed responsible for it, and even had threats of wage garnishment if the amount of {$390.00} was not paid. I was told today after I called asking for a settlement cost that it would be {$310.00}. As I was about to pay, my wife told me about CFPB and you  may  be able to help. I look forward to working with you to have this taken off my credit report. Thank you!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I disputed information on my credit report with TransUnion regarding inaccurate information being reported. There's a XXXX XXXX reporting XXXX days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other payments before and during these said dates are all on time which makes this information inaccurate and I have tried desperately to get this fraudulent information deleted from my report with TransUnion. Their response is this information has been verified all while the information is clearly inaccurate and needs to be removed from my report.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed via Cashapp on 3 different occasions by the same person. I notified cashapp support of the scammer and requested they cancel payments to the scammer. They did not. They allowed the scammer to steal my money. 

{$200.00} on XX/XX/22 {$75.00} on XX/XX/22 {$120.00} on XX/XX/22 Cashapp is enabling scammers and fraudsters to steal from others.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

I received my direct deposit on XX/XX/2023. The same day, when I tried to transfer funds to another bank, I received an error message saying that the transfer was not successful, asking me to call XXXX XXXX After talking to four representatives, I became aware that my Laurel Road checking account had been suspended, and that was why I did not have access to the funds. No prior notice was given whatsoever. Today, XX/XX/XXXX, I don't even see the funds in the account! This is illegal, and I need the funds as soon as possible.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

I am an XXXX XXXX XXXXXXXX XXXX and have banked with PNC bank for over 25 years. A check was made out to my insurance company XXXX XXXX and mailed out in the amount of {$120.00}. I found out a few months later, after my insurance company saying I never made my payment, that my check was washed and altered to {$920.00} and made out to a XXXX named XXXX and cashed. I then filed a dispute with the bank and they denied the dispute and never mailed me an explanation. I am an XXXX XXXX  that lives off of my social security and {$900.00} is a lot of money to let it go. You can clearly see the check was altered and the handwriting is not the same. I would like something done about this and my funds returned to me. Not only am I out the {$920.00} this guy fraudulently cashed, but I also still had to pay that month owed to my health insurance
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (IN)

5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. 
Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (CA)

Apple keeps sending me constant emails for their Apple Credit Card and does not give an option to unsubscribe from just their Credit Card offers. I'm tired of receiving these emails especially since they are sent almost twice a week. I have no interest in signing up for their Credit Card but would still like to receive other Apple emails.