davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (NC)

XXXX XXXX- {$2200.00}. XXXX XXXX {$1400.00}. XXXX {$1200.00}. XXXX XXXX {$1500.00}. XXXX XXXX XXXX {$5000.00}. XXXX XXXX {$630.00}. These are the accounts thats fraud on my account. I never signed for any of these accounts. They need to prove to me that they have my original signature. No one have provided me this information thus far. This needs to be removed immediately off of my credit report.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (CT)

My direct deposit was sent to Albert Cash XXXXXXXX XXXX on XX/XX/XXXX and never posted to my account, including through the date on the deposit statement of XX/XX/XXXX. 

My employer and payroll provider both confirmed they sent the deposit per usual and it had not been returned. I confirmed both ach and account numbers as correct. 

I contacted Albert support via email, text, XXXX, and legal@albert.com for 2 days. Still no reply. 

I've asked for the amount of the direct deposit they received ( {$430.00} ) to be credited to my account while they investigate, to no avail.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Equifax credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

Please be very aware that XXXX has already noted that the XXXX XXXX collection is illegal and removed it from my report. Equifax, I recommend you do the same and remove the illegal XXXX XXXX collections account.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on XXXX alone! XXXX to today. 

1. XXXX Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with XXXX about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( No Change reported ) 2.Experian Experian did do the right thing and tried to help BUT! I'm back @ 11 with them. 

3. XXXX Dispute Submitted XXXX also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated XXXX veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Consumer complaint received 2019-08-08
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I set up for full account payoff effective XX/XX/2022. I received confirmation via email that the collection company would complete my payoff as scheduled. When I went online today to confirm payoff of {$170.00} I found the firm paid off all but {$.00}. When I asked why they said they dont remove the final penny for 10 days. That would acquire interest when total payoff was confirmed for today, XX/XX/2022. There is also no available payment mechanism. 

Site : XXXX XXXX XXXX  XXXX % XXXX % XXXX XXXX Social : XXXX Last name : XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Hope and pray that this complaint will find you and your family in the best of health and happiness. 
I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score.

yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. 
They have sent debit dispute to all three credit agencies, with out my knowledge. 
This was on my bank credit journey report. 
" I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX  disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. 
They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. 
I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX 
According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. 

What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. 
Your help in this connection will be highly appreciated.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

we had XXXX cell service for over two years, in XX/XX/2021 we transfer our services to XXXX, the sprint were cancelled left zero balance, we returned all sprint devices in time and got receipt. 
After three months later we receive collection latter from I.C System Inc. that we owed XXXX 
we went several time to the XXXX store, they said only XXXX can resolve this issue, many times call XXXX  nothing is resolve yet. 
It is not are balance the just want to rip us off.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

this credit card company closed one of my accounts because check bounced check bounced because thief got a hold of it I was working and they took money from bank now after so many years capital one thinks I would not pay seriously I'm being penalized for a thief action I demand my account reopen I always pay off account every month
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

My wallet was stolen at a XXXX 's in XXXX on XX/XX/XXXX. Within an hour, I notified XXXX Police, and my banks, including PNC Bank ( I have a debit card and checking account ). 

PNC froze the debit card and issued a new debit card with a different number, mailing it to my address. I received the new debit card several days later. 
I also submitted an online disputed transaction to dispute the charge to XXXX ( {$110.00} ) right after my wallet was stolen, before PNC could freeze the account. My account was provisionally credited with the {$110.00}. 

Several weeks later, on XX/XX/XXXX, I became aware that {$1700.00} was missing from my account. After numerous calls, emails, and in-person meetings at the PNC branch bank, I learned that someone entered the XXXX XXXX PNC bank on XX/XX/XXXX and presented my driver 's license, misrepresenting themself as me. Despite not having the correct debit card number, not matching my signature, not looking like me, and the fact that PNC knew my wallet had been stolen, PNC allowed this person to do a cash withdrawal of {$1700.00} from my bank account, effectively wiping out my account. PNC is now also charging me service charges due to a low account balance when my account balance should not be low. 

I have made repeated requests for the {$1700.00} ( and service charges ) to be returned to me promptly since this is my only account with a debit card. PNC has told me they need 30 days to investigate. The only thing that needs to be investigated is why they ignored my repeated communications that my wallet was stolen and the account needed to be monitored closely for fraud, why the bank teller egregiously breached policies and protocols and what discipline should be imposed on the bank teller and the bank. I would like my money returned ( ideally with an apology ) and to ensure that this does not happen to others, to the extent possible. 

I am also requesting that PNC cooperate with the XXXX Police Department and send all of the information about this fraud to my active police investigator, detective, XXXX - police report XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MT)

I PUT MYSELF INTO A DEFERRMENT BACK IN XXXX WHEN COVID HIT. IT TOOK MY FIRST 3 MONTHS AND THEN ASKED TO BE REMOVED FROM DEFERMENT. THEY KEPT TELLING ME NO. MY ONLY OPTION WAS TO PAY THE {$XXXX} DUE ( WHICH I DID NOT HAVE ) OR ASK FOR ANOTHER DEFERRMENT. THIS KEPT HAPPENING UNTIL THE PAYMENT DUE WAS {$XXXX}. AT THIS TIME THEY FINALLY FINALLY APPROVED MY COMING OUT OF DEFERMENT AND TOLD ME THAT I NEEDED TO MAKE 3 TRIAL PAYMENTS AND SIGN/NOTARIZE DOCUMENTATION. I DID THIS. MY 3RD PAYMENT WAS DUE XX/XX/XXXX. AT THIS TIME THEY TOLD ME THAT I NEEDED TO SIGN/NOTARIZE ANOTHER SET OF DOCUMENTS. AS OF NOW, XX/XX/XXXX, THIS DOCUMENTATION HAS NEVER COME. I WAITED 3 WEEKS FOR AN APPOINTMENT WITH A RELATIONSHIP MANAGER ON XXXX AND TOLD HIM THAT I NEVER GOT MORE DOCUMENTATION. HE TOLD ME IT'S OK- I DON'T NEED TO SIGN MORE DOCUMENTATION AND IT WOULD BE FINALIZED NEXT WEEK ( WHICH IS THIS WEEK ) AND TO CALL. I'M ON THE PHONE WITH THEM NOW AND THEY'RE SAYING THAT MY MODIFACATION IS NOW DENIED BECAUSE i DIDN'T SEND BACK THE PAPERWORK ( THAT NEVER CAME ). THEY HAVE ALSO MADE IT NEAR IMPOSSIBLE TO MAKE MY PAYMENTS NOW - THEY HAVE TO BE SPECIFICALLY MAILED. I'M NOT IN DANGER OF HAVING AN 18 MONTH LATE PAYMNT ON MY CREDIT REPORT. PLEASE HELP.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft and it has been an absolute nightmare, mostly because of the big banks that I entrusted with my money! I sent BOA the police reports and FTC report as well as sending the arrest records and surveillance footage of the crime taking place and they still denied my claims without giving me any valid reason why. They gave no documentation to prove anything of the contrary. They simply said they were authorized transactions! I DID NOT authorize these transactions and theres no reason why they are saying this
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I called Citizens bank customer service serval times during their working hour, but their line is always busy. I held on the line for an hour, but no one answered. There is no Citizens local branch in my area. I need to close my account.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

on XX/XX/23 I made a transaction with my personal XXXX XXXX card using my Square business account online terminal. 

The transaction was for {$400.00}. I noticed immediately that Square had flagged my transaction for " review '' after a few hours I decided to contact Squares customer service to inquire about what the issue might be. I was told it's because I was using a pre-paid card. 

I would assume consumers should be able to use any acceptable payment method, including gift cards or pre-paid cards. 

Square is holding my {$400.00} completed transaction for 90 days. 

Within a few miutes after calling customer support, Square also deactivated my account with no real explanation as to why.
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX XXXX Opened a Fraudulent Account in my in the amount of XXXX This account is a result of Identity Theft. I did not Authorize this Account to be opened
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX XXXX Opened a Fraudulent Account in my in the amount of XXXX This account is a result of Identity Theft. I did not Authorize this Account to be opened
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (DE)

My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/2018 checking my credit report I see Equifax Removed XXXX points from my score for opening an account XXXX only XXXX with more changes on my report I feel Equifax is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account