davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A. (PA)

On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks  sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card  companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.
Consumer complaint received 2022-02-22
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. (MI)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (CA)

I enrolled in the XXXX XXXX Program at the University of XXXX XXXX XXXX for the Spring XX/XX/XXXX semester and Summer XX/XX/XXXX semester. For each quarter, I enrolled in one class. The tuition and fees for the Spring XX/XX/XXXX semester totaled {$5100.00}. The tuition and fees for the SummerXX/XX/XXXX semester totaled {$5000.00}.

I received a partial scholarship of {$1500.00} for each semester. Consequently, the outstanding net balance for both semesters was {$7100.00} ( {$10000.00} tuition less {$3000.00} scholarship awards ). 

As of XX/XX/XXXX, I paid {$3600.00} toward that balance, for a remaining balance of {$3400.00}. Because I was delinquent in paying that balance, I entered into a payment plan with the University. As of XX/XX/XXXX, the date of my last installment payment, I had paid an additional {$1500.00}, leaving a net outstanding balance of {$1900.00}. 

I then noticed that the University had been adding fees and late fees equal to {$600.00} to my balance for the Fall XX/XX/XXXX and Winter XX/XX/XXXX semesters -- semesters for which I was not enrolled. Additionally, it had allocated {$300.00} in payments I had previously made to these fees and late fees. 

The University subsequently assigned my account to a collection agency called National Credit Management, or NCM. On XX/XX/XXXX, I received a collection notice from NCM. The notice demanded payment of what it called a past due balance of {$2800.00}. The notice provided that I was entitled to dispute the debt by registering with a website operated by NCM. I did so on XX/XX/XXXX, via email to an individual named XXXX XXXX. 

In that email, I disputed both the amount demanded by NCM, as well as the actual net amount I owed to the University. In this respect, I disputed the {$300.00} in fees that the University had already allocated from my payments to semesters for which I was not enrolled, as well as late fees totaling {$300.00} that it had assessed with respect to those semesters. 

Accordingly, I informed NCM that I wished to resolve the debt, but only in the amount of {$1300.00}, which reflected the actual outstanding balance on tuition and fees attributable to semesters that I attended the University less the {$300.00} in fees I already paid and {$300.00} in late fees assessed for semesters I did not attend the University. I also informed NCM that I wished to pay the actual debt and bring the matter to resolution. 

I also informed NCM that it no event should it allocate any payments I make to it for any fees attributable to any past, present or future semesters for which I did not attend the University. 

I am eager to pay the actual debt and resolve this matter. However, I refuse to pay any improper fees. I have attached documentation evidencing the information above. 

XXXX XXXX
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX MUTUAL XXXX {$510.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-22
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CT)

After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help. 
I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it. 
I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately
Consumer complaint received 2021-12-22
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: Westlake Services, LLC (TX)

These companies are continuing to report inaccurate and fraudulent accounts to my consumer report after disputing and asking for investigation they continue to ask me for a identity theft report which I have already sent before and will attach proof along this complaint. These are clearly stall tactics and I am going to start pursuing legal action.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NH)

They have been calling every single day every hour on the hour and its been going on for months! I have been in the XXXX  for XXXX and its been a very consistent problem for many months now! I had to buy XXXX. But I do have this number daily at least 6-7 times a day. 
( XXXX ) XXXX Its sheer harassment and I want it to STOP!
Consumer complaint received 2019-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (MD)

On XX/XX/2019 I received a letter from Viking Billing Services indicating that I was being billed for damages to a car rented from XXXX XXXX. The letter indicates the date of loss was XX/XX/2019. I did not have a rental car on this date. Somehow, they also got my XXXX year old Mother 's phone number ( who lives in a completely different state ) and have been leaving messages for her indicating that they are trying to reach me. 
I called XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative by the name of XXXX who instructed me to disregard the letter from Viking as he could not find anything in my file that indicated that any damages were noted in my record for any vehicles for any rental periods in which I did business with XXXX XXXX XXXX. 
On XX/XX/XXXX, I spoke directly with Viking. I was told that despite the fact that the information on the letter I received was not accurate, I was still accountable for the charges because they believed that the car I rented during the previous week " might have been '' the actual rental period/ date that the alleged damages occurred. Since I was involved in no accident and did not have any damages to any rental car I rented, I asked that further information be sent to me regarding the specifics of the actual date of alleged incident, pictures of the damage, and cost estimates for repairs to the rental vehicle in question. The representative from Viking indicated that he would promptly mail these details to my home address. 
After nearly 4 weeks of hearing nothing from Viking, I sent the attached letter to Viking via certified mail indicating that I considered this matter closed. They responded with an additional letter ( attached ) indicating that they are still awaiting payment. I still have not received any details about the alleged damage to a rental car, the date that the damage was discovered, or any estimates on the cost of the alleged damage. 
Please help. I can't understand how a company like this can harass someone to pay for damages for which 1 ) I was not responsible, 2 ) indicates damages occurred on a day that I didn't even have a rental car, 3 ) the car rental agency itself confirmed there was no record of damage to any vehicle I turned in and 4 ) Viking has been unable to produce an evidence of damage or cost estimates to substantiate their claim against me.
Consumer complaint received 2019-07-30
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. (IL)

I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I asked the bank to stop taking out my hazard insurance from my escrow. They closed my escrow account, sent me a check for the full escrow which I returned the next day. After four ( 4 ) phone calls they still have not reopened my escrow account and have not paid my school taxes which were due on XX/XX/2019.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

There is a collection on my current credit report from Equifax and XXXX that belongs to my XXXX sister. The collection is a medical bill that I am not liable for. I am XXXX XXXX military and I am covered under XXXX XXXX XXXX, fully.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

XXXX XXXX continues to call my cellular phone number despite having expressed to them that I am not the person that they are looking for. I have asked them to stop calling me on at least five occasions, two of which I described intentions to pursue legal actions for harassment ; and one of which I spoke to a manager and asked to not be contacted again to which I would pursue legal actions if my request was not met. The cadence between myself and this company has gone on for about two months. This morning ( XX/XX/2018 ) I received another phone call from the same number. I was unable to answer the call due to being at work.