davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

On XX/XX/2019 at approximately XXXX XXXX EST, I awoke to an email alert, timestamped XXXX am, on my phone and it stated my account was over drawn. I immediately checked my account through online and mobile banking. I was surprised to see an ACH debit I forgot about did in fact overdraft by {$10.00} usd. I also saw that I was charged the overdraft fee of {$36.00}. I am set up for account alerts so I was shocked to see as soon as I was in receipt of the alert the fee was already assessed. I contacted PNC Bank customer service and expressed my concerns but was told by the representative " it looks like the fee was properly assessed. Me personally, I don't use those alerts. I use xyz alerts. They are in real time. '' She informed me there was nothing she could do about the situation. I asked to speak with a supervisor. She said she could take my number and a manager would call me another time to discuss ways to avoid this in the future. I told her that was unacceptable and I would like to speak with someone at the present time. I was put on hold for a few minutes. The manager came on and said the alert is not in real time and there are a  different set of alerts to sign up for that are in real time. He said " I see you have online/mobile banking so you can check your account at anytime. '' I'm not sure what this had to do with my situation. He said the account is processed at XXXX and that is when the account actually shows overdrawn and the fee is assessed at that time and the alert is emailed after the fact. I asked him " If the card was not physically used by the customer what reason would you have to just assume your account needed attention. '' Bottom line is that neither the representative nor the manager even attempted to assist with the situation. I am really considering closing all accounts and cutting all association with this institution. If you are told setting up banking alerts are a great option so you do and later when an issue happens you are told you should have signed up for another specific set of alerts just does not seem like you are concerned with customer service nor satisfaction.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We have been having a problem with the XXXX XXXX falsely reporting to the credit bureaus that we missed our first mortgage payment in XX/XX/XXXX. We wrote a check on XX/XX/XXXX and the check to them was processed by our credit union on XX/XX/XXXX, the due date. I have contacted XXXX loan office twice about this false report of delinquency only to be told they have issued a research ticket. I have also filed the dispute with Transunion   and have been attempting to dispute with XXXX, but can never get through on phone or online. The derogatory statement on our credit reports is fraudulent and needs to be removed ASAP
Consumer complaint received 2019-04-20
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. (KY)

experian refuses to report information correctly. They state that I am very late on payments and that I still have an open account and active debt with a bank even tho the other two credit reporting companies have removed this account as court odered.
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (LA)

I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. 
So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I applied to renew income-based repayment with nelnet. Before nelnet purchased the loan I didn't have a problem with this process. I went through studentloans.gov and gave them access to my tax return in XXXX. I kept getting late payment reminders after that. I spoke to someone on the phone who didn't have any explanation as to why my renewal wasn't being processed, but she suggested that I upload a copy of my tax return to their site. I did so, but continued to get notices, and my payment was never adjusted. I contacted them again via email, but they seem to be just refusing to process my request.
Consumer complaint received 2018-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

I was XXXX years old when I applied for this loan, I was under the impression that this was the best loan for me because I was unable to qualify for federal student loans. 

Once I started repaying my loan my repayment amount was about {$650.00} a month. I was unaware the payments would be so high because I was never told what the monthly repayments would be. 

Due to financial hardships I spoke to the lender, XXXX XXXX, and was advised that my only options to repay the loan were to 1 ) defer the loan 2 ) declare bankruptcy I had to defer the loan 4 additional times because the payment amount kept rising. I spoke to XXXX XXXX on repayment options and they advised me that my only option was to declare bankruptcy. 

Due to the lack of repayment options from XXXX XXXX, the loan is now 3 months overdue and I am in a worse financial situation then I was when I graduated school.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was hacked and they stole my money So the same person that stole my money they deposit some check on my account that were not under my name so the bank cashed the check so i notice all this transactions on my account and i call the bank like 4 times telling them that my account was stolen and that it wasn't that me that was doing the transactions so they told me that dont worry that my money was save so now they close my account and told me that i dont have money there i dont know what happen with my money they dont want to give me my money back when my whole account was stolen and they knew about it and didnt do nothing now they close the account and send my money to i dont even know who
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime (FL)

Under the Financing Federal Law Section 15,16,35 it states that it is illegal for a financing company to require me to put a down payment on my car I bought. Since I am financing it, it's covered under the financing agreement. I am hereby requesting a refund of {$2600.00} that I paid.
Consumer complaint received 2023-02-07
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. (KY)

This is the several time I've complained about being a victim of identity theft. Equifax and XXXX must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate I am requesting XXXX, Transunion, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

In XX/XX/2023 I was contacted via email by Credence Resource Management , LLC without consent according to 15 USC 1692c ( a ). The fact Credence contacted the Consumer via unsecured email with potentially damaging information left open room for identity theft and violated 15 USC 1692b and 15 USC 6802 ( b ) ( 1 ).
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXXXXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

On or around XXXX i saw alot of pre-approvals on Credit Karma. At first i didnt pay it no attention but Credit Karma kept sending me all sorts of different pre-approvals telling me that i was pre-approved for credit cards, personal loans and that i can refinance my car. Everyday i would see these offers everytime i logged in to check my credit scores. So after after few months of being told that i was pre-approved i thought i was now in the perfect place to apply. I got so many offers through Credit Karma i started telling my whole family about vacations and investments we were going to use these pre-approvals for. So i applied on or around sometime in XXXX  and i got denied for two credit cards and a personal loan. I was distraught, i was very very angry and i felt deceived. I was marketed to for months. Credit Karma told me that i was pre-approved, this was a lie! I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad i became anti-social. My XXXX  went from 0-100. Now everytime i see pre-approvals i immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that i havent checked my credit as frequently as i should.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PAYPAL has run up {$87.00} NSF charges on my saving account which they were not authorized to use on a disputed charge. ON XXXX, XXXX and XXXX, they tried to colledct on this disputed charge at a cost to me of {$29.00} NSF each time. According to PAYPAL, I had a contract with XXXX on auto renewal and I needed to pay them. They have continued to harrass me emails to update my account to satisfy their charges all year long. the latest were XXXX, XXXX, XXXX and XXXX. I continue to block them and they just use another email address and they will not talk to me any more. 
_______________________________________________________________________ I tried an app from XXXX in XX/XX/2019, with a 10 day trial period, which I never used. My best contact with XXXX was with a robotic chat line with no success. They was no tech support or contact number. PAYPAL a year ago charged me {$69.00} and even then would not listen to me a year ago. XXXX had this on auto renewal without my knowledge or approval. PAYPAL paid again on this bogus charge.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I opened this claim XXXX, but was closed by the bank saying I never sent the information requested. 
I have proof that the fax was delivered with the information requested by the bank to proceed with the claim. 
Attached goes the information for the disputed transactions and the proof of fax delivery with that information.
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (VA)

This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX  to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since 2019 was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX  XXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me
Consumer complaint received 2018-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I was 1 month behind on my mortgage due to death in family, Wells Fargo asked if we would be interested in a loan modification, this would lower our monthly payment. They made us pay XXXX for the modification. which has no fee. While in the modification they then came to our home with foreclosure papers, we spent over XXXX to keep our house. I had to drain my XXXX and was hit with major penalties. They refuse to help me put me on hold and never return, it is a nightmare. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NV)

American Express REFUSES TO COMPLY WITH A SIGNED COURT ORDER BY A CHANCERY COURT JUDGE. 

I was the victim of Identity theft. As such there were credit cards, loans, accounts etc in my name that I was neither aware of nor authorized. When I notified AMEX originally they said " they could not verify I am me ''. 

So I FILED A COURT CASE AND WON. THE JUDGE SPECIFICALLY PUT INTO THE COURT ORDER THAT American Express IS TO REMOVE AND WIPE THE FRAUDLENT ACCONTS FROM THIER RECORDS and permit me to Re apply with valid, correct information. THIS IS NOT MY REQUEST, ITS THE JUDGES ORDER. 

I completed amex fraud declaration IN ADDTION TO THE JUDGES ORDER. STILL NO COMPLIANCE I sent the original along with the judges courtroom contact to AMEX LEGAL TEAM. ** NO REPLY I sent the original court order to the AMEX customer service- who replied stating that " THEY WILL NOT GIVE THE COURT ORDER TO THEIR LEGAL TEAM '' THAT THEY ARE " NOT COMPLYING WITH THE COURT ORDER '' Further Amex claimed in a XXXX line sentence letter that " they unilaterally determined that I received benefit from the account ''. 

This is both untrue AND NOT AN ISSUE AT HAND. AMEX DOES NOT UNDERSTAND THIS IS NOT A REQUEST. THE judge has already reviewed the evidence and made her DECISIVE AND DISTINCT DECISION. 

THIS IS ONLY A LEGAL ISSUE AND AMEX MUST REMOVE MY FRADULENT INFORMATION AND PERMIT ME TO REAPPLY WITH MY XXXX XXXX XXXX now. 

I have sent amex further letters and THEY HAVE NOT REPLIED. I have all copies, delivery confirmations and court orders available, SO DOES AMEX. 

Please FORCE THEM TO COMPLY WITH THIS COURT ORDER by deleting anything in their system with my social security or name and letting me know when this is complete so I can apply with correct, fresh information. 


I NEED THIS NIGHTMERE OF MY IDENITY TO BE RESOLVED AND AMEX IS LEGALLY REQUIRED TO COMPLY WITH A COURT ORDER. Thy have NOT presented any contrary evidence and they simply must be forced to comply or TAKE AWAY THIER BANKING LICENSE PLEASE. 

I DID NOT BENEFIT FROM ANY CARD, THE JUDGE ALREADY AGREED WITH THIS ( see order ). 

Amex is under the mistaken view that this is a fraud investigation. ITS NOT, THIS IS ONLY TO MAKE THEM COMPLY WITH THE COURT ORDER, THE JUDGE ALREADY COMPLETED THE INVESTIGATION. 

Thank you
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MO)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.