davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

PNC Bank offered me a checking account, which I opened with a {$100.00} deposit in XX/XX/2019. After receiving my ATM card, I tested it by depositing {$10.00} cash into an ATM. Thereafter, I received a letter with no explanation from PNC stating that my ATM card was closed. In addition, PNC did not make the {$100.00} nor the {$10.00} available to me. OnXX/XX/2019, PNC Bank 's " claims department '' withdrew my {$110.00} and kept it. 

PNC Bank refuses to discuss the account. PNC Bank violated the terms of the deposit agreement and the Funds Availability Policy. 

I engaged in no action to warrant PNC 's breach of fiduciary duty. 

PNC also appears to have used consumer reporting agencies without disclosing the identity of said agencies in contravention of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged {$570.00} from my bank account. It was from one service that I had previously had subscribed to and CANCELLED. The other charges were for a Trial that I CANCELLED as well. Bank of America originally credited back my account. However now they are saying that they are undoing that. I DID NOT AUTHORIZE THESE CHARGES. I CALLED AND CANCELLED THEM. I SHOULD NOT BE CHARGED ANYTHING. THIS IS RIDICULOUS. I WILL NOT BANK WITH THEM ANYMORE.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

I opened a checking account using promo code XXXX using link XXXX which promised a {$300.00} bonus after I made two direct deposits that total at least {$1000.00} within 60 days. I received the bonus code via direct mail sent to my house. I opened my checking account using the required link and code. I completed direct deposits from my employer of {$1000.00} on XX/XX/19 and again on XX/XX/19. The bonus is supposed to post to my account within 60 days of direct deposit verification. 

I selected the account type available via the web link for the promotion. I notified USBANK and their response was ; " I can confirm that the promo code is present and direct deposits were credited to the within the timeframe required. But, the account was opened as an Easy Checking and the promotion is for Platinum accounts only. As that's the case I've upgraded this to a Platinum account. Since the account wasn't opened as an Easy one, I can't guarantee that the bonus will be provided within 60 days of the 2nd direct deposit.If that happens, please contact us again and we'll see if our back office Customer Care Unit will be able to assist with this situation. '' I never consented to have my account upgraded to a different account type that has higher minimum requirements and fees. US Bank changed my account type and did not provide the {$300.00} bonus to which I am entitled. I believe US Bank is telling me that they accepted my promo code but nevetheless may decide to not give me the bonus even if I go along with having my account type upgraded to a more expensive option (? ). This is a bait and switch tactic.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

Called repeatedly every day multiple times. 

When I answered I told him I was at work and couldn't speak to please mail all items. 

The continued on and said he works the same hours I do and went on and on even when I said I needed to hang up so I wouldn't get in trouble at work. 

He came across very threatening to me. Please pull the audio recording.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX of 2019 - The automatic payment of the Kohl 's card was updated. The new checking account was updated effective immediately ( email confirmation received ). On XX/XX/XXXX, the wrong checking account was used and therefore the payment was returned. Kohl's/Cap One didn't notify me of any issues. On XX/XX/XXXX, the Kohl's/Cap One automated payment once again tries to withdraw the payment from the wrong account. The payment was returned and the account was notated with an past due of 30 days. When I'm notified of the issue on XX/XX/XXXX, immediately contacted Kohl 's to notify them of the error while also making an immediate payment to the account to bring it to current. My checking account is also on my online account, therefore confirming my suspicion that it was an system error. The CSR that attended my call, documented all the information and told me to wait 30 days for my report to be updated. I told her I have emails confirming all the information ( including the email that states bank account change on auto-pay back in XXXX ).  45 days later, Cap/One send me a letter stating that they will not remove the 30 day late. This has caused extreme financial issues on my side as I was denied an car loan an month after because of the late report.
Consumer complaint received 2019-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I filed a dispute for a purchase not received with Capital One for {$58000.00}, Capital One has not provided me with a permanent credit. I tried to resolve the problem with the supplier who promised me a credit, which has not yet been issued. The vendor also has not responded to the dispute with Capital One.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Credit card company charging interest for balances less than 30 days old that goes against agreement. Stated because I was short less than {$150.00} on one statement for XXXX even though the XXXX statement was paid in full the entire balance for XXXX is subject to interest. Even though the balance is less than 30 days old. Asked the credit card company to review the account I was told there was nothing that could be done. Asked to please explain as if this was the rule I should be paying interest every month. Let agent know only past due balance or balance past 30 days should be subject to interest she state no that is not correct. Charged interest in entire balance for two billing periods. The explanation does not make sense as the past due balance is less than {$200.00} and I am being charged interest on {$2200.00} that I paid in full. This is borderline unethical practices.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (KY)

There was money remove from ny checking account 2 or 3 different time, I found it and turn it over to the my bank, and they reinburse my account, they was trying to get money out of my account went i was standing in the bank reporting it, i all so see a hard inquire from a credit card that i did not do, went will this stop, i Have to keep a watch on my account everyday because of this, they was small amount that was remove, but went will they take a lot out, someone has my information in how they got it i don ; t  know, but it all so making credit hard to get a loan due to hard inquires that been made by someone, Thank You
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (ND)

On XX/XX/XXXX. Midland funding place a judgement on me without verifying any of my debt or giving me notice to dispute the cc. The cc charged me unfair fees. They started harassing me again in XX/XX/XXXX calling me 10+ times per days, swearing at me and threatening to take everything I have at that time I told them not to contact me by phone. I filled out paperwork showing I have XXXX children and a limited income and they where unable to garnish my wages because I didn't make enough to support us. The calls stopped and I have not heard anything from them since. I have since moved from my previous address. Yesterday XX/XX/XXXX I deposited my payroll check I to my bank account and went to the store to find out my card was declined for nsf funds. They drained my checking account and took all but XXXX. Of my fiance 's saving account ( we have a joint account and this was from his paycheck direct deposit ). I called this morning XX/XX/XXXX to talk with the collection agency and they notified me that they can do this without any notice even after 7 years. They had my old address on file when they asked me to verify my Info I gave them my new address. I have XXXX children to support, rent due in 2 days and they have taken everything without any notice or option to payments or ability to fight the actual charges they say I owe which is unfair fees I was charged. Please help me.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

XX/XX/2017 to the present we have been charged a corporate advance fee with a total amount exceeding {$27000.00}. We have been told that this fee covers fees charged by the servicer but have never been given an itemized statement showing why these fees are justified. We have had problems through the years with employment, change of employment, lack of employment, health issues and reduced income. We are currently in a payment plan and on two months from being done, our payments are {$1400.00} a month for 6 months. 

We are seeking an explanation an audit of our mortgage, money to be returned or credited back to our account and the information to contact our servicer ourselves.
Consumer complaint received 2019-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Consumer complaint received 2019-10-01
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. (MD)

I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items
Consumer complaint received 2019-07-23
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. (AL)

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (GA)

I reviewed a copy of my credit report and show inaccuarte information listed. I filed an FTC report and Equifax has deleted or blocked informtion. I show that Equifax has allowed the creditors to reinsert informtion back on my credit report without my consent and or I have not be contacted which the law states that creditors must send me a wirtten notice with in 5 business day of items being place on my report. This is a direct viloaton of 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have complained many times that the credit reporting by Experian is inaccurate and they always just say wait awhile, it will be fixed later and yet it never is. They are incapable of providing accurate information and do not take responsibility for their errors. This is a fake service, designed to serve only their needs and not the consumer 's needs. I can not find any way to cancel and when I mention it on the phone I am immediately disconnected. 
I want to be a part of the class action lawsuit against them since they are responsible for reducing my credit rating, releasing my personal information and my fraud complaints have multiplied over the last 2-3 years. I have spoken to many ineffectual and uncaring agents on their phone support lines and am just tired of paying them to degrade my credit for random incorrect reasons ( like I paid a utility bill with another bank account ) and not raising it for legitimate things like paying off thousands of dollars of debt, getting 3 new credit cards with {$9000.00} dollars in new credit available. This company should not even be allowed to report credit since they have no idea what is worthy and what is not. I suggest the federal government just shut them down since they can not even keep our data secure!
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (GA)

I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with XXXX  and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CO)

A week ago, I received several chargeges from XXXX that I didn't order. 
After several fees and double charge, i still had a 59+ balance but my card kept getting declined. 
I have tried several times to make purchases and transfer cash but nothing works. 
I received a direct deposit from my paycheck, and I still can't access my money. 
This started almost 5 days ago, XXXX. 
The cuatomer service number is automated and doesn't give an option for any resolution. 
Please investigate American Express XXXX XXXX, Bluebird prepaid cards, I fear I am being robbed.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Name Account COLLECTION. 
XXXX XXXX XXXX. 
Account Opened. 
XX/XX/2023. 
{$3900.00}.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (CT)

I received a text from an unknown phone number ( XXXX ) that had a link attached to it for a fictitious name " XXXX '', I've copied it below. 

Text message read : Equifax alert for XXXX recent account found on your history XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Payments applied to Flagstar Bank loan Supervisor XXXX have been incorrectly paid and not applied to principal on the following date listed below : each payment was in the amount of {$1100.00}. 

XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested The loan supervisor refused to reapply these payments to Principal as originally request orally on recorded line and as specifically identified in every payment memo indicating principal only.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax, XXXX  or XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.