davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. 

I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. 

I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. 

I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. 

I contacted PNC again to begin the dispute process which had a reference number of # XXXX. 

{$450.00} was credited to the account until the dispute was resolved. 

XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. 

I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. 

On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. 

I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. 

I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.
Consumer complaint received 2022-02-19
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

My account was recently closed for no reason I have not charged in some month 's but we are in a pandemic. This is a XXXX XXXX XXXX bank card. Reopen with a higher limit removal from My credit report.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I had a mortgage with Wells Fargo from XXXX to XXXX. My wife died 4 months after closing. There was an ARM at 7 years that ballooned the payment beyond what I could manage. I made several attempts to refinance at a lower interest rate and was declined each time. I requested assistance to solve it and they said I didnforeclosure. I got behind on payments and they quit accepting money although I was trying in every way to keep paying. I applied for a short sale and simultaneously was accepted and submitted for forclosure. I spent 2 years fighting the foreclosure while pursuing the sale. In the end, I was able to accomplish the short sale 1 month before official foreclosure occurred. They did write off {$400000.00} loss on the home as it had greatly lost value after XXXX. I went through XXXX, got divorced and XXXX near went crazy trying to solve this. I believe they should be made to co.pensate me for that pain and suffering.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

I'm a Chase small business account holder, twice actually, and use their payment processing service. XX/XX/XXXX I did a card transaction for {$750.00} and then like two days later I noticed it still hadnt come to my account. 

I then get an email from WePay and they are like weve shut down your account and wont be releasing funds for 120 days due to this account having frequent chargebacks and refunds. 

Ive never had a chargeback or refund from this account or the account prior. Ive been trying to get into someone at WePay via phone to get someone to explain to me what happened and how do I get my funds and all the email responses I get back are you can appeal ( which Ive done 3 times ) and still no action or any help with this at all. Meanwhile Im out of {$750.00} not to mention I cant take any card payments at all, XXXX ( which is the sole reason I chose Chase as a business bank ) and this has been a nightmare of an experience.
Consumer complaint received 2021-12-20
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. (IL)

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to TransUnion, XXXX, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX Attached is the proof I owe 0 $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

Experian started a fraud alert on my credit without notifying me that they did this. I spoke with a CSR and it was suppose to be resolved. I just got denied a credit account as Experian is showing a false credit history, the Fraud alerts that is still on the account and now they have made it so I can't log in. Unfortunately 3 years ago we did have to file bankruptcy which cleared all of our negative credit issues, Experian was notified of this and is still showing the delequint accounts and is refusing to resolve the issue. I have already spent many hours on this issue with them and they refuse to resolve the issues. This is criminal behavior to say the least.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

I've been using venmo about a few months now. A lot of my stuff I purchased were either not delivered or I returned and never received my refund. In that case I disputed those transactions. Today I get a email saying my account was suspended and it had money in it! No way to get that money out, please resolved this.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

They doesn't wan na give me a defer in payment or help me with any other options to keep the car except to pay the arrears and by that time the car was already at impound. At that time they said they tried to reach me numerous times at a number I no longer had and an apartment I got evicted from.
Consumer complaint received 2021-12-20
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. (LA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
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. (LA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I'm behind on my Capital One credit card payments and they keep calling me even though I told them I'm trying. I just made a {$200.00} payment to them last week. Today, XX/XX/XXXX, they called me at XXXX XXXX on a Sunday morning while I was at church
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (NC)

The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : XXXX The credit Bureau Never responded to my initial method of communication via mail parcel. XXXX of XXXX bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (KS)

Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. XXXX  days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, ( XXXX ) XXXX, XXXX is trying to recover a debt on behalf of XXXX for {$4700.00} Account Number : XXXX Agency ID : XXXX. 

They have reported this against me and my spouse and reported to credit bureaus against both of our credit history that significantly reduced our credit rating. 

The debt does not belong to me or my spouse, nor we have any contract or agreement with either of the parties above, nor have ever hired them to provide any service. They have only produced a bill in our name that was meant for insurance company and we do not recognize the services XXXX mentioned in the bill. We would not have ever approved for what they are billing to us and the service they claimed they provided but did not and not with any agreement or contract with me or my XXXX. The bill-to customer in attached bill they are claiming is not me or my wife. And we have no contractual obligation.
Consumer complaint received 2023-01-20
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. (GA)

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.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On Saturday XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX, AZ because they wanted to purchase the truck back that I bought from them last year, XX/XX/XXXX. They made me initial a green piece of paper for them to do an estimate/inspection on my vehicle. After they inspected the vehicle they said they would only be able to do a trade in on a new purchase. I never gave them permission to run my credit report. I did look at the dealership at the available cars but I did not like anything. I was not there to purchase a new vehicle, I was there because they wanted to buy the truck back. I called them today XX/XX/XXXX and asked them to remove it and they would get back to me. The salesman called my husband later today ( XX/XX/XXXX ) in an effort to sell him a new truck. My husband brought out that they ran my credit without my consent and he replied that he was under the impression that I gave consent and signed a form to that effect. My husband asked him to send a copy of the form via email but they have yet to produce any signed consent form.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I booked a nonrefundable flight through XXXX for {$470.00} but the flight was cancelled the same day by either the airline or XXXX without my knowledge. I filed a chargeback under the reason of cancelled goods/services. I provided all the necessary information, however, on XX/XX/XXXX I was informed that the claim had not been closed in my favor. The only reason I was given was that I did not provide necessary information when I had. My flight was cancelled without my fault or knowledge and I have lost the money. Case ID : XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TN)

National Credit Adjusters has been reporting a collection on my credit report. The company is illegally reaging the account. I have no knowledge of doing business with national credit adjusters. Also, the address this company has on file has never been my address. I do not have a signed contract with this company, and when I ask for debt validation including a signed contract, I dont receive it. I am not responsible for this debt with national credit adjusters.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

On or about XX/XX/XXXX, I wrote a debt validation letter to the company, Designed Receivable Solutions. On XX/XX/XXXX, they sent me a letter to validate the debt with a copy of my medical records. This is a clear illegal violation of my XXXX rights. I am motivated to sue them at this point.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by XXXX, XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section XXXX FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity ( XXXX XXXX XXXX  Balance $ XXXX $ XXXX XXXX Close Date XXXX  - - Credit reports of the

three bureaus are enclosed. My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2021-12-20
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. (KS)

Please i need someone to help me here. I sent out my first dispute letter to TransUnion XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my TransUnion report and they are listed bellow yet TransUnion or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing