davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IN)

I am being charged overdraft fees when the account is not negative. However after the overdraft fees are charged, this puts the account in the negative. This has happened on more than XXXX or XXXX occasions. The last XXXX dates were XX/XX/19 and XX/XX/19. On XXXX a check went through the bank for {$550.00}. This left the account with {$13.00}. XXXX days later on XX/XX/19 I was charged an Overdraft Fee of {$36.00}. This now left the account - {$22.00}. This happened again XX/XX/19 when the last withdrawal of {$150.00} left the account with {$17.00}. Once again was charged an Overdraft fee of {$36.00} however the account was not negative until after the overdraft was process. 

When calling the bank, they can not explain why overdraft fees are being charged when the account was NOT in the negative. First time it happened, PNC assisted with fees and refunded the overdraft fees. The past XXXX times, I get told sorry wont allow a refund. I have black and white proof account was not in negative! I should never of been charged over draft fees!!
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.
Consumer complaint received 2020-01-12
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: Experian Information Solutions Inc. (FL)

My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (VA)

I got repeated calls to my cell two days in a row. I asked them to mail me a letter never received one. I never got a letter for my 30 days right to dispute. They simply placed the collections on my credit reports without sending a right to dispute letter violating the fair debt collection law. They also have an account that is currently involved in a lawsuit for a car accident and settlement is set for XX/XX/XXXX. This account should not be on my credit reports at all
Consumer complaint received 2024-03-13
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I had opened a High Yield savings account through the Apple Wallet with Goldman Sachs Bank USA. I went to buy a new car and put in a transfer in the app for {$10000.00} on XX/XX/2023 at XXXXXXXX XXXX. The transaction was to take 3-5 business days. Today is XX/XX/2023, I have made three phone calls to Goldman Sachs Bank, I was told they needed to verify that I was making this transfer. However, they never contacted me in any form. No phone calls, no text messages, no emails, nothing at all! I called on XX/XX/2023, to find all this out about the verifying of the transfer. After I did the verification process with the lady on the phone. They sent me a text message with a code that they needed to enter to push the transfer through. I was told it would only take 1-3 business days after she did this. It still hasn't happened! I'm on the phone once again trying to get this taken care of. This is very poor and didn't follow their own policies!
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

The payments that I call in to my mortgage company ( Carrington Mortgage ) continue to be placed on another persons account. I first noticed this happening in XX/XX/XXXX. At that time I spoke with several people at my mortgage company who  admitted the mistake. Nothing was done and I went around in circles. I wasted my valuable time and suffered with much stress over this. The issue was finally resolved in XX/XX/XXXX. At this point I thought this was a fluke and it would not happen again. 
I then called in a payment on XX/XX/XXXX and then two payments on XX/XX/XXXX. At that point I still took it for granted that my payments had been placed on my account for the mortgage of my home. 
Today, XX/XX/XXXX I called in another payment. When I called this payment in they told me that I wass in arrears XXXX, XXXX, XXXX and XXXX. I was transferred to a specialist named XXXX. XXXX found the payments and told me they were once again applied to another account. I expressed my distress and told her that I have already been through this one time before. The previous lengthy process created much undue stress, wasted my valuable time and negatively impacted my credit. XXXX told me that was in the past and not her concern. Her lack of empathy enraged me. 
The phone conversation ended with XXXX stating that she would pass the information on to her supervisor. I asked for her supervisors contact information and she told me that she could not give it to me. I then asked when her supervisor would be in contact with me and she stated it would be within 24 hours. I did hesitantly make another payment today while I was on the phone with her and got my confirmation number.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name 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 2020-03-07
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection  agency.
Consumer complaint received 2024-03-13
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : 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
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On my credit report a card is listed that is not mine. I contacted Citi-Bank and they do not have a card issued under my social. 

It says the card was opened in 2005. 
I am refinancing and the payment of {$33.00} is showing late. This is not my card. 
I am trying to refinance my home can you please help? EXPO/CB is the Card referenced on the credit report. See below : cid : XXXX XXXX
Consumer complaint received 2024-03-13
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-30
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. (TX)

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS AND INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED THE ACCOUNTS DONT BELONG TO ME. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I made a payment to for a private XXXX College student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my Exquifax reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX College and XXXX to make sure information was updated on their end. XXXX was, XXXX College 's wasn't. I start a dispute with XXXX  and Equifax on XX/XX/XXXX. I call XXXX College and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my XXXX  dispute was resolved. On XX/XX/XXXX, my Equifax dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my Equifax dispute, yet it was still not denied. I open another dispute with XXXX on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start XXXX  school in XXXX in 2 weeks and I needed to apply for a XXXX loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.
Consumer complaint received 2022-11-12
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. (VA)

My name 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 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (IL)

Nationwide Recovery is attempting for the second time to collect this debt, see attached previous claim with you, number XXXX. As with the first they never sent me a notification through the US Mail, a direct violation of federal law. Please find attached the most recent attempt to collect this debt. Also, please find again, where previous collection agencies attempted to collect this debt. Nationwide is the 5th different agency to attempt to collect this debt, which was never verified. As with their first attempt ( third over all ) please delete this from my credit file.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

I attempted to submit a billing dispute because I was over charged by XXXX XXXX in the amount of XXXX and I was unable to complete online and called there customer care # and person over the phone refused to take my dispute
Consumer complaint received 2020-01-14
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. (FL)

XXXX ; Experian and XXXX  are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

I opened a high yield savings account on XXXX with citibank and they debited my account for $ XXXX. I called on XX/XX/2020 to activate my debit card and was told that my account was being closed due to fraud and to call XXXX ( XXXX XXXX ) to obtain details for negative activity. I called the number 3 times over the course of an hour and NO ONE answered. i called citibank and told them I wasn't getting a response and they said there was nothing they could do. I asked when I would get my $ XXXX back and they told me between 30-60 days, and that is unacceptable especially when you took the money a couple of days after opening the account and I expect the same expediency in returning my money. They told me the decision to close my account was final and would not be reversed even though I haven't done anything wrong. So I'm writing this complaint to get my money back and dispute their closure of my account. They're basically stealing/withholding my money for 2 months putting me in financial hardship.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My bank is 5/3 in XXXX, Ohio. At the close of the year, XX/XX/2021 I noticed pending withdrawals had been placed on my checking account. I immediately visited two branches the branch at XXXX XXXX, XXXX, Ohio, and spoke with XXXX XXXX about the issue. She allegedly froze the account. I then continued to notice a third and fourth withdrawal was placed against my account. I again visited the XXXX XXXX branch and spoke with XXXX XXXX. She allegedly filed a dispute regarding the matter. 
I also followed up with phone calls with the bank in which I spoke to several bank agents attempting to resolve the illegal withdrawals over the phone. I received a letter in the mail informing me the most recent withdrawal has been denied. I called to question why the denial and the only explanation I could get was according to their policy I did not file a dispute within a 24 hour period of the withdrawal. I strongly disagree with that charge, because I phoned consistently and visited two branches regarding this issue.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I looked at my XXXX and XXXX  credit and saw an account from SYNCB/PPC for a blalnce over {$4100.00}. 
I do not remember ever opening an account with this company. If there's one, please send me copy of my signed written contract.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (MI)

I did not initiate the following inquiries : 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 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