davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. 

I have over forty thousand dollars on my bank account, and they are all on hold without any reason. 

PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. 

I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed.

I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. 

I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (PA)

After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. 

This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. 

I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. 

I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.
Consumer complaint received 2022-05-26
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. (MD)

I had a car loan with ( XXXX XXXX, XXXX ) company under state farm which was originally issued on XX/XX/XXXX with interest rate of 6.19 %. I was paying with a monthly loan arrangement with no prepayment penalty agreement. Since the interest was high I went to online portal and I paid the whole balance that I see on the portal ( I will attach receipt below of {$10000.00} including interest ). The monthly payment was due on XXXX of XXXX & I paid this mentioned total balance including the whole principal and interest on XXXX XX/XX/XXXX & I thought I am done with it as usual and waiting for the loan to close. In XX/XX/XXXX the XXXX agent called me stating that I missed payment for XX/XX/XXXX, I told her I paid the whole balance. She checked & said their system didn't notify them she was not sure why? and she said she will fix the issue right away and she told me she saw the payment and she will report the issue to her supervisor too. I said okay hoping it will resolve and we hang up. Again another agent called me few days later in XXXX of XXXX stating that you missed payment, the loan didn't close because there was XXXX dollars of interest left to close but for me I didn't see anything on the system to pay, I paid 100 % what I saw infront of me. I said okay I will pay and make sure that loan close appropriately, she said okay and I paid on the same phone call with her. 

Few months later they reported to all three credit bureaus as a missed payments for months of XX/XX/XXXX and XX/XX/XXXX even though the loan completely closed. I called the company multiple times to dispute and discussed with the company. They keep saying that it happened they are sorry but it wasn't their mistake. 

They damaged my credit history report since because they were upset that they lost interest and they took revenge by damaging my credit report by reporting on me falsely for multiple missed payments because they have a power to report. Even though I paid correctly and followed the rules of agreement. 

For me their negative reports affected me so badly that I couldn't do any loans with banks for my business because of this company abusing my right false only because they can do so. Banks considered me a risky borrower, tried multiple times I have attached receipt on detail payment separately as follows. 

I believe there is a real Justice in America, I don't believe companies like this damaging innocent client credit history is correct since justice is equal for every body, they need to be stopped abusing human right and history by using their power to do so. 

I am looking for that justice to happen for me in here and I wanted this company to remove falsely reported negative credit history on me on all three credit bureaus right away and they need learn not to abuse human right by using their power.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I called American Express to address my APR for my Blue Cash Everyday card and options to reducing it. Within the conversation, I was informed about transferring credit lines. The representative stated to me that if I paid off the total amount on my XXXX XXXX XXXX XXXX which was a credit limit of {$2000.00}, I would be able to transfer the full {$2000.00} limit to my Blue Business Card. With that information, I accelerated my payments for XXXX, XXXX, and finally paying off the card on XX/XX/2022. 

On that same day, I followed up with another call to American Express and inquired about the clearing of my funds to pay off of my Blue Cash Everyday card ; a replacement card for that account and transferring my credit line to my Blue Business card. Due to the fact that I needed to replace my Blue Cash Everyday card, my process to transfer was stalled. Once I received my replacement Blue Cash Everyday card, I called back on XX/XX/2022 at XXXXXXXX XXXX  and, initial spoke to representative XXXX. I was informed by her, I would not be able to transfer the full amount of {$2000.00} from my Blue Cash Everyday credit card to my Blue Business Card. She stated that only {$1000.00} would be eligible. I stated that I was not made aware of this limit and that I was misinformed by two previous representatives. I asked to speak to supervisor. XXXX return to the line with XXXX the Customer Service Supervisor. She reiterated XXXX 's messages that I would only be able to transfer {$1000.00}. I had requested to receive and verify any type information and was told that there is no such policy to provide to me as a consumer and business owner who utilizes their institution. 

Then as we worked to a compromise through the available options to move forward on the issue, I agreed to move forward with the {$1000.00} transfer from my Blue Cash Everyday card to my Blue Business card, but was informed that it is not a guarantee and that an application must be submitted for internal approval. Another curve with no provide to be provided to me to verify or make an informed decision. 

I decided that I would not be moving forward with the application due to not being provided with enough transparent information to make an informed decision. 

American Express has misinformed me as a Consumer XXXX XXXX  XXXX by guiding me to accelerate payments to pay off a credit card with the hopes of transferring a {$2000.00} credit limit to my business when I could have used my funds for my business operation.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC. (CO)

On   XX/XX/XXXX   I went to a bank to apply for a credit card. I was denied based off multiple collections that I didnt know about. Upon calling them to ask what they were they told me they kept receiving return mail and gave me the address they had on file and told me I owed {$840.00}. i proceeded to tell them that the address they had was wrong, I told them I had no idea about them. They then told me the address they had was what was sent to them from their customer.   I feel I shouldnt be held responsible for the collection since they were at fault for the wrong address but they told me I am at fault whether I knew about the wrong address or not. I personaly and my families lawyer feels I should n't be held responsible for their mistake.   They wo n't give me anything in writing stating if I pay in full they will immediately take it off my credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NE)

I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I have two collections on my XXXX Credit report from XX/XX/2014, they are from a company called CMRE however it says they are originally from the city of XXXX  XXXX. They showing a balance of {$2000.00} with an original loan amount of {$1300.00}. and another with a balance of {$410.00} I have tried to contact CMRE multiple times and I have not recieved any mail, returned calls, or anyone willing to help verify that this is my debt, I have sent them written requests and I have disputed through XXXX, and XXXX says I have to write another letter. These collections are holding me back from starting my new family and incesting in my future and I would like to file a complaint becasue I feel that by not responding to me and clarifying my debt that they are out of compliance. 

I am 100 % confident this is either a mistake or some sort of identity theft
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-15
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. (GA)

my credit has merge with someone elses on transunion. i called and checked address and there were accounts on my file that didnt belong to me.this is only transunion. im not sure why its taking so long to correct this informatiion.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (FL)

I have auto loan with Truist bank. I am trying to buy a house, when the mortgage asked the credit report, discovered that I have twice XXXX loan in my credit report. 

I when to the bank to fix and ask a letter to indicate that I have only one XXXX loan, and they make the mistake. Because Truist bought Suntrus bank. When they made the merge, they made the duplicate account. I am waiting for a simple letter to presente to the mortgage to buy my home. I call every week and the customer representative said different opinion about my case. I feel frustrated, because I need a letter.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

On XX/XX/2022, I applied for a credit card with Macy 's Department Store. I have previously had a card that was paid in good standing. On XX/XX/XXXX, I received a letter from Macys credit department and my application was declined. I called to get clarity and the lady told me you just did't qualify did I have bad credit. Well I would not have every thought I would be discriminated against. That question should not have been asked to me. I can fathom that Macy 's would train their associated to be so cruel and unprofessional. Based on the Fair Lending Laws and Regulations, I feel because I'm a minority and live around low income communities all of us XXXX XXXX  have bad credit. I was not given an opportunity to explain my Bankruptcy on my credit report which I have established credit since being discharged or an alternate proof I could afford repayments. I was never provided a second chance especially when I had an account years ago and paid it in full and closed it in good standing.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I am a good customer, I pay my bill on time every month. The interest rate is over 17 %. This high rate is hindering my ability to pay down my bill. I called the company a few times to get the interest reduced just as I did today XXXX. Both customer service reps and the supervisor told me that everyone gets charged the same rate. This is a ridiculous amount. They are unwilling to help. I signed up with XXXX  for their card a few years ago and they moved the card to citibank. What a mistake, I will no longer use the card or shop at XXXX.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I got an alert through my bank that a hard inquiry was made under my name for Discover Financial services. I reached out to discover and they indeed found and inquiry, the application was denied and closed. However, I did not make any inquiries for discover.
Consumer complaint received 2022-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC
Consumer complaint received 2019-08-01
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. (TX)

On XX/XX/2019 I receive an email from Experian saying I was matched with a " cash-back card '', they didn't say that my odds to be approved are good, no, they match me with a card. 
After I apply with this matched card, I receive the denial from this card company. 
I contacted Experian and they told me they never " match '' me with any card ( even when I have the email from them saying it ) instead they " suggest '' my odds " could '' be high applying for this card. 
On XX/XX/2019 Experian report the first inquiry to my credit and decrease my credit score 2 points. 
On XX/XX/2019 Experian report the second inquiry from XXXX and this time lower my credit score for 19 painful points.

21 points total for following Experian advice. 

XXXX  and XXXX never lower my credit score for this inquiry from this credit card company. 

On XX/XX/2019 one of my credit card increases the limit of my card from {$500.00} to {$800.00}. 
XXXX increases the credit score for 7 points on XX/XX/2019. 
XXXX increases the credit score for 5 points on XX/XX/2019. 

Experian increases the credit score for 1 point on XX/XX/2019. 

Rules are not the same, practices not equals. 
I truly understand that Experian is damaging my credit history intentionally. 
And I am a paid customer of Experian, with a monthly subscription of {$19.00}. 

Please review all the data and advice me, I only look for fairness. 
Obviously, I will never follow again Experian advice on credit cards, but look like they " MATCH '' everybody only with the intention to collect their commission, but I am a paid customer, they should take care of me. 

Thank You
Consumer complaint received 2019-11-24
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. (GA)

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.
Consumer complaint received 2023-03-10
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2022-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (IL)

Ive called and submitted disputes nothing has happen this action was taking more of 5 months ago no one from the credit Bureau never contacted me In no way not by email or phone they keep reporting witch is fraud this really messed up whats going on my lawyer will be present the next time this happen or come up I would be sueing for fraud and fraud upon reporting and much more also came was racism I called they put me on hold for hours with out saying anything but we give u a call back Wells Fargo, XXXX, XXXX XXXX XXXX