davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

My daughter and I had account with BBVA. One account was mine alone, and the second one is mine along with my teenage daughter. BBVA was purchased by PNC. We were no longer using the BBVA accounts regularly but, as my daughter was going to college, we agreed to keep them open for a couple of months to see if she needed them while she was away. She did not, and took all the money out of her account. On a couple of occasions, I received notices from PNC that my balance was low, so I made a couple of small deposits, as I did not want the account to be overdrawn. Several months ago, we decided to close the accounts. I called and was told that I would receive a document to sign. Never came. I messaged through their app and left messages on their social media and was told that the accounts would be closed. Still nothing. Finally, on XX/XX/2022, I received a call from an XXXX XXXX at PNC retail escalation group who asked me to call her back so she could help me. Her direct line is XXXX. I have called her back 4 times, with no response. At this point, I don't know how much has been taken out of our accounts in fees we did not authorized, etc., but I am receiving daily emails now from PNC telling me that my account is overdrawn and to please deposit money. We feel that we have given PNC more than enough money to maintain accounts that we did not want or use.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Recovery Services (IL)

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

This refinance process with Flagstar Bank started at the end of XX/XX/2020. I have been an owner for 34 years and have refinanced several times in the past. This current process with Flagstar Bank has been very long and tiring to say the least. My wife and I are XXXX and feel we are being overly scrutinized with our credit history. We feel discriminated against. We have been asked by the bank to submit photo ID which we understand may be proper protocol. However, once this was done it appears to us that the refinance became much more difficult to obtain. We were asked twice by the underwriting agent and loan officer to submit to a conference call with a third party company XXXX to check our credit history with various institutions. We have been asked for a ton of paperwork which has all been submitted and recently the bank is now asking for where my deposits came from. We would like for the bank to treat us fairly it has been nearly 3 months and they are still asking for more information.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT NUMBER : XXXX 2. XXXX XXXX ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to 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, XXXX XXXX, the consumer, DOES NOT give XXXX  the consent to report anything on my consumer report. I have never given XXXX  the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. XXXX  publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (AL)

The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX  days and I haven't received any investigation results.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (TX)

You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to 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, XXXX XXXX, the consumer, DOES NOT give Equifax the consent to report anything on my consumer report. I have never given Equifax the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. Equifax publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

I received a call today that was " unknown ''. They called 3 times in a row and left a message that I had been " served ''. I managed to catch the third call and was given a phone number ( XXXX ) and a case number ( XXXX ). The male I spoke with informed me that a civil action has been filed against me by XXXX Mastercard which I had from XXXX, saying that the complaint states that I got the card with the intent to defraud. First of all, this debt is XXXX years old. Secondly, I filed bankruptcy a year ago. He said that the debt was something like XXXX XXXX dollars. There is no way the credit line should have been this much. XXXX  was sold to LVNV LLC, a debt buying agency. I researched this, can not pull up a phone number to match that above, but did find that the FTC had a case against the company that issues XXXX and the FTC won. As a result, there is an injunction against them filing anything on consumer 's credit reports. 
I don't anticipate any further action, but felt that I should report this as it has probably happened to others. Thank you for your attention.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

As of today, Thursday, XX/XX/2022 at XXXX, I called XXXXpital One Bank to dispute a certain transaction that caused my account to go into overdraft. I was told by the agent that his manager said there is nothing they can do but I just need to pay the negative balance. The way I set my account up from the very beginning was I opted out of Overdraft Protection in other words, I didn't want the bank to pay for any transaction if there is no money to cover the transaction. I have proof of this. I also set up text messaging to alert me when there is a transaction that shows how much the transaction was, what store, the amount now available in the account after the transaction and the date and time. On Tuesday, XX/XX/2022, I made an in store purchase at XXXX in the amount of {$50.00}, I have proof of this thru my text messages from Capital XXXX itself. It showed I had {$81.00} left in my account after this transaction. I made 2 more transactions after this date. So on Monday, XX/XX/2022, I receive notification that my account is in the negative of {$41.00}. But also on this same day, another company who is on autopay tries to get their payment and it rejects because of insufficient funds .Long story short, I had my account in Auto Decline. No transactions should have never went thru and leave me owing back to the bank.
Consumer complaint received 2022-06-02
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. (TX)

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

I recieved a letter in the mail from Convergent outsourcing plc claiming to be collecting a debt from XXXX in the amput of {$230.00}. I called XXXX who told me that I did not owe them anything. This letter is attempting to scam people out of money.
Consumer complaint received 2021-03-23
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: Avant Holding Company, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
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: AMERICAN EXPRESS COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
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: JPMORGAN CHASE & CO. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (FL)

So I only added that you CAN NOT add to mobile wallet due to the fact that I can not WITHDRAW from them. All messages were being sent to my email XXXX which is also my log in username for gemini. In the entire time I was verified to buy XXXX but never to withdraw any type of currency, this is extremely frustrating because they have not been transparent AT ALL and it feels like I'm just talking to an automated machine instead of a real customer service rep that can help resolve my issue, or it's someone throwing it under the rug. 

Time and dates with reference for images ( SEE BELOW ) XX/XX/21, XXXX AM - I sent an email via the company support link on their website and received this email in correspondance to no avail. Ticket No. on the SUPPORT ORDER is XXXX ( SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Verified my debit card so I could PURCHASE XXXX but not so I could WITHDRAW funds be it XXXX or XXXX XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - I sent another SUPPORT ORDER via their website this one 's Ticket No. is XXXX, still no update on the situation. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Emailed them requesting service to verify, it's been two weeks since I opened the account and I never had anyone reach out. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX - XXXX AM - They sent back a generic email and I replied those options don't provide proper service. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' )
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I submitted a student loan forgiveness request to the Federal Student Loan Service on XX/XX/XXXX ; a copy of the application was sent be certified mail. and arrived about a week later. Both have been confirmed as received. They are not separate applications, but two copies of the XX/XX/XXXX application. The application guidelines state that the service provider may take up to 120 days to process. It has been more than 120 at this time. When I called to request a status, employee # XXXX of Federal Loan Service stated that they are overwhelmed with applications, the 120 days service response was no longer valid, and he could not confirm ( despite my early submittal of application in XX/XX/XXXX ) if they would be able to process the application by close of the program in XX/XX/XXXX. I asked if he could confirm that I would still be eligible, if their staffing issues prevented my application being processed by XXXX, and he would not commit to my application remaining eligible despite their staff issues. So ... what this appears to be saying is that, despite my being eligible for the TEPSLF program, I could lose my eligibility if the service provider fails to respond in a timely manner ( something over which I have no control ). Can you confirm his statement is correct and, if it is, whether a policy can be put in place that eligible applicants who submitted in a timely manner will retain eligibility regardless of how long it takes for the service provider to process the application and even if it exceeds the XX/XX/XXXX program closure?
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

An account was opened fraudulently under my name with Chime - Online Banking. I have since contacted them and they confirmed that the account has been closed. I was later notified by my employer that due to a cyber breach with the employee website and my direct deposit pay was diverted to the fraudulently opened account. I was able to track that funds were deposited on XXXX XXXX and XXXX XXXX. I have tried to reach out the bank by phone and email several times to request an investigation to be opened and that they return the funds to my employer but they are sending me in circles. Phone calls with multiple member service agents ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to name a few ) between XXXX XXXX and XXXX XXXX all conclude in they can not help me since I can not provide the email address. Since the bank account was not opened by me I have no way of providing that information. They advise that I email the support team so that they can open an investigation. Emails have been sent from XXXX XXXX to XXXX XXXX and I am mostly getting generic email responses where they ask that I send an email with the email associated with the account, which I do not have, or call their member service, which I have as mentioned above.