davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (PA)

I tried to make a balance transfer from XXXX  XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX  XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX  XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX  XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX  XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX  XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (AR)

I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I am a subscriber to Equifax monthly 3 Bureau credit monitoring service which costs $ XXXX month. Since XX/XX/2019 Equifax has not updated my report. I have called Equifax numerous times since XX/XX/2019 attempting to get this problem fixed ; despite numerous assurances and many long hours on the phone with Equifax, they still have not corrected this problem. Furthermore, I am unable to unlock my report as well. 

This problem needs to be fixed, my report needs to be updated. 

Also, Equifax needs to refund the monthly charge ( {$19.00} ) for the product they billed me and did not deliver.
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (MS)

The XXXX is XXXX The text : [ REGIONS ]. : Your Check-Card/Debit is bIocked, due to abnormaI behavior. 

Review at https : XXXX to resolve. 

Reply STOP=stop, HELP=help
Consumer complaint received 2019-05-03
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. (FL)

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (CA)

Company did not provide notice required by California code 1788.52 ( d ) ( 1 ) when it posted a transaction on the account under the auspice of an adjustment. The company is attempting to change the statute of limitation on this account.
Consumer complaint received 2021-04-17
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. (PA)

I've contacted this company twice disputing unverified information on my credit report. The first letter I sent they replied they could not find my file. They did not respond to my second letter.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

I have had a bank account for 10 years with Chase bank and then they decided to close my account for no reason the day I should have gotten my direct deposit from work. Prior to closing we went to the ATM machine and was supposed to get {$500.00} out but the machine did not give us the money. We filed a reversal they credited the account the money but then closed the account refused to give us the balance in the account or my direct deposit from work. Now they wont even tell us the account was closed. I cant pay my bills because they have all my money.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

Freedom Mortgage requested for XXXX XXXX complete a Loan Modification package. The package was submitted early XXXX. I received mutiple phone calls daily requesting the same documentation that I previously submitted twice before. 

The customer service rep is telling me that the underwriter is stated these documents are missing however I have emails from Freedom that they have all the documents needed and I should hear from someone within a week.

A week later I am hearing from Freedom that they documents are previously sent are still missing.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

1. In XXXX of XXXX my husband and I purchased a new XXXX XXXX XXXX and put it in joint names. We financed it through Kia Finance because they were offering a 0 % rate. 

2. In XXXX of XXXX my husband died. There was no will or estate opened 3. In XXXX of XXXX I moved from XXXX XXXX to XXXX. 

4. In XXXX of XXXX I began work on obtaining an XXXX  title in my name. I contacted KIA customer service and the deceased accounts division, sending deceased accounts a death certificate and a title transfer request from the XXXX XXXX XXXX  clerk of courts. The transfer request asked KIA finance to send the clerk of courts ( a ) letter stating that the title could be transferred into my sole name and ( b ) the XXXX XXXX title. I was told by " XXXX '' on XXXX XXXX that they had everything that was needed. 

5. In XX/XX/XXXX I submitted the request again by certified mail. After numerous follow up calls the title was finally sent to the clerk of courts on XXXX and then at my request a copy of the letter authorizing the transfer was faxed. However, the clerk of courts told me an original was needed. 

6. On XXXX I called KIA finance and asked that the letter authorizing the transfer be sent. I was told it would be, but it was not. 

7. Today I was told many different, conflicting things. The bottom line is that a letter will not be sent until I contact deceased accounts, which is where I started last XXXX. Customer service said they had no way of contacting alone else within Kia Finance and that it would take them 3 days to get a response from deceased accounts. Unfortunately the clerk of courts will send the title back to Kia Finance if they don't receive the letter by the end of next week.

All bills have come to me and every one has been paid on time. I can not fathom why I am having so much trouble unless Kia Finance is trying to get an elderly widow to pay off the loan because of the 0 % rate.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/t 2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/XXXX, I opened a XXXX XXXX Credit card. Before officially joining I called the Barclay credit card company to go over the details of the credit card. I talked to XXXX and she stated that after 1 year on my anniversary date of opening the card I would be assessed an annual fee of {$99.00} XXXX that would be at the end of XX/XX/XXXX and done automatically XXXX. 
On my first statement in XX/XX/XXXX I was already assessed a {$99.00} annual fee instead of on my anniversary date of XX/XX/XXXX. 
On XX/XX/XXXX, I called Barclay and talked to XXXX regarding my annual fee. She opened case no. XXXX. She said to call back in 10 days to see if the annual fee was waived since they told me initially it wasn't due until the following year. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said my case was still pending and someone would contact me. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said I have to pay the annual fee and they will not waive it. I told her when I first opened my card they said the annual fee would not be due until one year later. 
I received a letter from Barclays stating they were unable to assist me with my rewards issue. 
I don't see anywhere on my application paperwork that I was assessed an annual fee as soon as I opened my credit card. When I called to inquire I was told it wasn't due until the following year. They should honor that initial call.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Peak Legal Advocates (CA)

The company Peak Legal Advocates XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Main Number : ( XXXX ) XXXX I join this Debt Settlement Company XX/XX/2016 Mr. XXXX XXXX XXXX signed me up. I had reservation about this company but Mr. XXXX convinced me that this debt company would be good in helping me with my creditors. To make a long story short Mr. XXXX no longer worked at this debt settlement company and my creditors information was passed on to people that stole my funds that was suppose to payoff my creditors. Please I do not want to explain my complaint through this email so please contact me so that I can submit my documents showing proof how I was defrauded by Peak Legal Advocates. 

Sincerely
Consumer complaint received 2023-03-24
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXX Opened : XXXX XXXX, 2021 Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2021-06-15
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. (TN)

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date, XX/XX/2021 which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2019-08-21
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. (SC)

Hi, my issue is with Equifax. I have called and started claims numerous times for incorrect information on my credit file. It has been almost 2 years of me trying to get the issues resolved with no resolution. My report with them is not correct and they hav e done nothing to help me with  this issue.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I called and spoke with a representative from the collection agency listed on my credit report. L J Ross Associates Inc located in XXXX Michigan.  I provided them with the account number listed on my credit report and they said they couldn't find my account.  I also reached out to the original creditor XXXX XXXX XXXX located in XXXX Michigan and was unsuccessful.  The complaint number was XXXX.  I have attached the page of my credit report showing the account.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX Took 3 time the amount of {$39.00} out my account. Filed a dispute stating I closed this account with Chase. XXXX XXXX change the billing name then Try to charge my account two {$59.00} charges and a {$72.00} charge. I filed another complaint with chase. Both complaints were denied, and I contact Chase bank again and was told to contact the merchant. I contacted the merchant today and spoke with manager XXXX, the merchant denies charging my account the {$39.00} and stated it was only a charge of {$72.00}. I told him that was true, and I am trying to get the matter resolve. I was unsuccessful. I contacted Chase again to keep getting transfer with no help. I explain to Chase I would like to file a complaint and was disconnected.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-05-01
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: AUTOMOTIVE CREDIT CORPORATION (MS)

On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (WA)

I received a letter in the mail, addressed to XXXX XXXX account number XXXX From Syergetic Communication , Inc. It said I owe - - {$3700.00} but that we could " settle '' by XX/XX/XXXX for {$920.00} We do not owe that to XXXX XXXX it has been paid long ago. Called XXXX XXXX to make sure we were good and they said we were fine Debt was paid long ago. They did a search under mine and my husband 's socials and there weren't any other current accounts for us. They stated they would send SYNCM a letter. Checked credit report- everything was fine. The address we are supposed to mail the payment to isXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ID XXXX. I looked up this company and the reviews show them doing this to many other people as well. I Won't contact them as I don't want to give them any of our info and I saw from the letter that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong.