davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. 

Sincerely, XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (AZ)

Midfirst Bank came to my orientation at XXXX university. They offered a {$100.00} bonus if you open a bank account with them that day. I spoke with them after the presentation and gave the guy my application. He stated he would come back in a few hours to help me make my initial deposit and get me my bank card. The representative never returned and I had to go days later into the bank at XXXX to speak with the manager about why my application was not processed. He apologized several times and said he would make it right. He helped me get my card and stated I would receive more information via email or mail and I never did. I setup direct deposit and waited. They told me I would get the {$100.00} a week after and it never came. The lady on the phone said I would get the bonus, I would just need to wait 4 weeks. I waited and still no bonus. I called today and they are refusing to give me the bonus. I advised the manager when I went in to the office I told them I would NOT open this account if I could no longer get this bonus. He clarified several times he would take care of me and not to worry. 

I called today and spoke with someone at the branch, he said he spoke to the manager and he said he would not honor it. I advised again he promised me when I went into the branch originally I would get the {$100.00} bonus that was advertised at the orientation.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

This debt account was opened on XX/XX/XXXX. I have not used said credit card since even before that date. They reported that my last payment was in XXXX when they've acknowledged over the phone that it was earlier than that. I have repeatedly disputed it and they will not remove it from my credit even though it has been over XXXX years. 

This should be off of my credit at this point. Even though I have not contacted them in quite some time, they just updated my balance on XX/XX/XXXX and continue to do so so that my reporting period is extended.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I AM DEMANDING THAT YOU CEASE AND DESIST ALL COMMUNICATIONS WITH ME THE CONSUMER VIA MAIL, TELEPHONE, SOCIAL MEDIA AND/OR EMAIL. I am demanding and requesting that CITIBANK/CBNA CEASE ALL DEBTS AND COMMUNICATIONS. IF YOU CONTACT ME YOU WILL BE VIOLATING MY CONSUMER RIGHTS. CEASE ALL COMMUNICATIONS PURSUANT TO 15 USC 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2023-07-04
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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)

My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (VA)

Loan Process/Getting Approved/Documents & Understated Costs : I want to make note that I am self employed. My husband and I were initially declined with our first lender due to that. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan. 

During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ). 

Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this. 

Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. I sent him a message stating until he answered a question about why the loan amount was changed I was not submitting a signed form. He called and yelled at me. During that phone conversation he threatened to not finish my loan intentionally ; I had a witness who was on 3-way that he was not aware of until later in the conversation. 

He was incredibly unprofessional and made sure that I felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience. 

XXXX had the VP of Movement Mortgage, XXXX, call me to try to intimidate me over the phone 3 times ( prior to me blocking his contact number XXXX to remove my review from XXXX versus asking about my experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards me.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Consumer complaint received 2022-03-09
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 and unauthorized inquiries, 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 and unauthorized inquiries for they were found erroneous. 

XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS THE SECOND TIME I AM SUBMITTING THIS COMPLAINT CAUSE THE FIRST COMPLAINT STILL HAS NOT YET FIXED THE ISSUE OF THE ACCOUNT BEING POSTED ON MY CREDIT REPORT. THIS ACCOUNT IS CAUSING ME STRESS SINCE ITS PREVENTING ME ON GETTING A HOUSE. I URGENTLY NEED THIS ISSUE RESOLVED SINCE I AM PRESSED WITH TIME.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I purchased several items from Apple using the Apple Card in XX/XX/XXXX. While my bill was {$4400.00}, I elected to pay the full amount immediately. Using the XXXX XXXX app, I changed the automatic payment from the amount due to the full amount prior to the XX/XX/XXXX due date. On XX/XX/XXXX, I noticed in my account that both the full amount of {$9700.00} and the auto payment of {$4400.00} where withdrawn from my account. 

On XX/XX/XXXX, I contacted Apple/Goldman Sachs to have this reversed. I was informed that the payment will " take a couple of days to have the payment refunded. '' On XXXX, I contacted Apple/Goldman Sachs again for a status update. This time I was informed that the payment refund is in dispute and would typically be refunded within 10 days but could take up to 30. I was referred to my bank to have the payment cancelled. 

I requested an escalation due to the conflicting information and was provided with case number XXXX. 

There is no information available to me on the status of the refund. Apple/Goldman Sachs refused to provide documentation on the status of the payment reversal, that it is now a payment dispute, the status of the payment dispute, or any timeline ( particularly since it exceeds their own recommended timeline for resolution ). The Apple wallet app doesn't not show any history of the money in question. My balance doesn't reflect the over payment and I don't have documentation of the dispute outside of a messages chat. 

As documentation, I've included screenshots of the app : XXXX XXXX shows the page of the current amount due {$2.00}. You can slide the button to the current balance {$72.00} ( IMG XXXX ). Selecting pay later provides the date to pay that amount ( IMG XXXX ). Upon selecting the date, you are brought back to the home page ( IMG XXXX ) showing the upcoming payment. It is only if you select the XXXX dot button in the top corner that you see that the original auto payment was not changed and you are now scheduled for an overpayment of the bill PLUS the full amount that you have just scheduled ( IMG XXXX ).
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase Slate credit card for 12 years, 1 month ( opened XX/XX/XXXX ). I was in good standing and paid off the entire balance of the card. Last XX/XX/XXXX, the card was closed due to inactivity. I didn't realize this until XX/XX/XXXX. I called requesting to reopen the card but was told nothing could be done. In addition, they have this feature enabled on all Chase Cards, forcing me to have to keep constant use of all my Chase cards or run the risk of my cards being closed. This can severely destroy my credit score by ruining my average age of credit history.
Consumer complaint received 2018-08-13
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: AMERICAN EXPRESS COMPANY (MD)

I contacted American Express to take advantage of their 0 % Balance Transfer offer on their Amex Credit Card. When I signed up for the card, the representative told me that the maximum amount that an individual could balance transfer was {$7500.00}. I asked if this limit could be increased to {$13000.00} because I wanted to balance transfer {$13000.00} from my XXXX Credit Card and he told me no, but that I could apply for a second card and put {$7500.00} on each one. So that is what I did. My second credit card application was declined so I called American Express to find out why. This representative told me that I couldn't apply for the same credit card twice, but that if my wife applied for the credit card, that I could balance transfer {$7500.00} onto my card and she could balance transfer {$7500.00} onto her card. So that is what we did. I applied for the balance transfer and it went through right away. My wife applied for the balance transfer and it was " pending ''. After several days, we called American Express and they cancelled her balance transfer and resubmitted. After a few more days, we called to ask why and nobody could give us a clear answer other than to wait a few more days and to call back if I didn't go through. After several more days, I called in and demanded to speak to a manager. After being told they would have a manager call back, we waited 3 more days ... no call from a Manager. I called back last Friday and demanded to speak to a Manager. They assured me that a Manager would call back by the end of the day. After waiting 6 hours, I called back and refused to get off the line until a Manager answered my call. When he did, he informed me that you couldn't do a balance transfer from the same credit card more than once. This response is completely unacceptable. Now my credit card payment is due, and I'm going to be stuck paying hundreds in Interest charges because they did not allow a balance transfer that I was told by two of their representatives, could happen. On top of it all, their suggestion was to have my wife balance transfer the amount to a different credit card which we reluctantly did in the heat of the moment. 30 minutes later, we called back and told them to cancel that Balance Transfer and that we DID NOT want it to go through. The representative provided us with a confirmation number and assured us that the balance transfer was cancelled. She asked us to call back in 48 hours to confirm. 2 days later, my wife called back and she was instructed to do and they told us that the balance transfer went through. Now my wife has a - {$7500.00}  balance on her XXXX  XXXX XXXX card and a {$10000.00} balance on the American Express card. This is FRAUD and this is complete and total XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-13
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. (GA)

On XX/XX/2013 I talked to a Transunion representative. I ask why they are not providing me verifying information I requested and they she said she didnt have to. I told her about section 609 that they are required to. She refuse to get me with the necessary people that can give me the information. She referred me to the creditor, because they are the ones that provide the information. I ask her do they get verifying information from the company and she said they only do electronic verification. I told her they are required to get physical documentation and she denied that.
Consumer complaint received 2022-07-08
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. (SC)

I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit
Consumer complaint received 2022-03-09
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: ID Analytics, Inc. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Docket # XXXX XXXX Source XXXX XXXX File Date XXXX Amount XXXX Status Date XXXX XXXX XXXX XXXX XXXX XXXX Action Type XXXX Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

LoanCare/XXXX XXXX  company placed my mortgage under bankruptcy that was discharged on XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran.