davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX  XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. 
I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. 
Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received.
Consumer complaint received 2018-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Credit Services, Inc. (NC)

I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : XXXX
Consumer complaint received 2023-04-06
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. (VA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2019-03-16
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: SYNCHRONY FINANCIAL (TX)

I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.
Consumer complaint received 2022-01-14
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. (AZ)

This is my SECOND complaint. Experian is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to Experian on XXXX/2021 ( attached ). Experian responded stating I gave them limited amount of information and that they were not honoring my request. It also stated on page 2 that the response was in reference to hard inquiries on my credit report ( both attached below ). My Affidavit of Truth and exhibit of proof clearly showed that the Affidavit of Truth was in reference to the hard inquiries shown on my credit report and that I wanted them removed. They were highlighted in yellow. Experian was also never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off. 

I filed a complaint via the CFPB on XXXX XXXX in regards to Experian 's lack of compliance to my Affidavit of Truth. They responded stating, " These inquiries display on your credit report when it is accessed by others with permissible purpose ''. I never gave Experian written consent to display any hard inquiries on my credit report.
Consumer complaint received 2021-09-16
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. (NJ)

I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MN)

Hunter Warfield XXXX, Fl after reviewing credit I notice debt on my account, no prior information was sent regarding acct. Believe this is fraudulent charges from landlords who take advantage of their tenants. Was told all was ok after moving out. Received Certification of rent paid but nothing regarding debt. Believe XXXX XXXX are making false claims and trying to get others to pay for the wear and tear of their property that they always refused to fix.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

Lexisnexis is now saying I may be a victim of fraud this is complaint So I ask what have they done to correct the information that they deem as a fraud. Are they still reporting said information as fact? What steps have they taken to correctly report information? Please advise..18th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address doesn't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that doesn't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXXXXXX XXXX Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX Not XXXX XXXX XXXX please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Consumer complaint received 2022-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Relin, Goldstein & Crane, LLP (NY)

I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company XXXX XXXX then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm Relin , Goldstein & Crane LLP. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.
Consumer complaint received 2018-02-10
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. (FL)

I disputed an error on my credit report in XX/XX/2017. I have no heard or received an update from trans union. Each time I follow up Im told they are still investigating the matter.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (CA)

Three issues : Multiple times I was noticed XXXX XXXX  XXXX will be removed and it should be removed asap. I have never had any relationship with that company. I am the victim of identity theft fraud meaning someone stole my identity. They used my information to open multiple fraudulent accounts. Of course the company will send it back verified because someone used my personal information that they stole. Thus it is identity theft. I am demanding it be removed asap and quit adding back fraudulent accounts to my credit report please. 

Also I can not log into my account online it says that it is temporarily unavailable but the people on the phone say I should have no problem logging in which is not true as I still can not log on. Please have someone fix this for me asap. 

Make sure you remove all of the fraudulent accounts, credit card accounts, names, addresses, phone numbers, etc. that I listed in the letters attached!
Consumer complaint received 2021-09-16
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. (PA)

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, XXXX and Experian. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

Overdraft protection plan issue. I am elderly, XXXX and XXXX. I receive direct deposit for my pension and social security monthly. Every month I am charged a significant amount of fees equal to {$38.00} each. I dont receive monthly statements and when I call by phone to try and reconcile my account I incur additional charges because I call multiple times to try and understand what is going on with my account. I dont have access to Internet nor a computer due to my limited income situation. Most recently my income tax refund was also direct deposited. My account is always in the red and when I call by phone I stop counting the {$38.00} charges after I reach 7 x {$38.00}. I feel I am being penalized because I cant see a statement and dont understand the overdraft protection plan on my checking account. I have been a checking account holder for several years dating back to XXXX XXXX XXXX and due to merger activity my account is now held by KeyBank. I need help. I cant afford these multiple {$38.00} charges each month and I cant afford to pay to dial a number to try and get my account details over the phone. I need monthly statements at no charge. Now KeyBank starts charging you after so many phone calls to their contact center.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

In XX/XX/XXXX i opened a checking account with Bank of America, while i was a customer with them there were several fraud transactions and attempts on my account ( 1st. Someone in XXXX tried to purchase tickets via XXXX to XXXX, m ind you i live in the U.S ) .I notified Bank of America that i didn't feel comfortable with retaining that account and asked if they would close the current account and allow me to open a new one. Bank of America informed me that they couldn't but what they would do was issue a new debit card ( The card was issued end of XX/XX/XXXX beginning of XX/XX/XXXX ). 

On XX/XX/XXXX there was a check in the amount of {$2700.00} for auto repairs ( Mind you i worked in a XXXX XXXX which BOA was aware due to bank deposits ) I Called Bank of America and informed them that it wasn't my transaction and they had me submit a claim and go into my nearest branch.I submitted a claim and they were suppose to investigate it and let me know there results ( I never received anything ). About a month or so after i received a letter stating that the account would be closed due to fraud activity and that i could still open one but would have to go into the nearest branch to do so.I thought that was the end of the Bank Of America nightmare In XX/XX/XXXX my fiance and I decided to close our joint account, so once i started applying to Banks i was constantly denied ( didn't know why ) until i asked one of the tellers why and she told me to contact XXXXThis is when i was finally informed that Bank Of America had sent my account over for {$150.00} they stated that the amount from the check was withdrawn and it caused my account to go into the negative {$150.00}, they stated that Bank Of America sent the check to them after it was returned for suspicious activity. I filed a dispute with XXXX who only received a copy of the check from BOA ( they state that is valid proof ). 

I Have called BOA on several occasions and spoke to several departments ( Customer Service, Claims, Recovery, Risk closure, Account escalations ). Risk closure and claims states they can not see notes from XXXX to see if i submitted a claim. Customer service cant access the account and recovery says all they do is collect on the debt. I have also wrote several letters to the offices in XXXX, FL and XXXX Fl but have not been responded to..I want someone at the banking system to thoroughly investigate my situation and when they see i'm not at fault they need to remove the info from XXXX and wipe the {$150.00} off as debt.. 

I offered to even pay the debt ( which i don't owe ) so that i can have this issue behind me. Bank of America is damaging my name and making it seem as if i am a criminal ( I have never been in trouble in my life ). I hope that Bank of America does its part to ensure this issue is resolved
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have only received phone calls with limited information from a company called Merchants and Medical. They have been very harassing and threatening. I called the hospital they claimed I owed money to. According to that medical facility, I do not owe anything to anyone in that system. The lady said it was {$260.00} and it has shown up on my credit report as {$200.00} This also is very suspicious. I did not receive any paper bills in the mail, nor did I receive any notifications that I had an account that would end up in collections. I am currently disputing these collections charges on both of my Credit reporting agencies.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

I received notice on XX/XX/XXXX that I had an account in collections. I didnt recognize the company and knew Ive been paying bills on time. So I reached out to the company and asked what account could I have in collections? I was told it was an old account from XXXX from XXXX XXXX XXXX tv service. Its an old debt they received in XX/XX/XXXX. I stated this account was paid off Back in XXXX. I asked if my account was with them since XX/XX/XXXX why is this the first Im hearing of this? The male rep stated they never sent out any correspondence to me. No letter, no phone calls, no nothing. So I asked them to take it off my report. The man said he would do so but didnt know when it would occur. This has caused my credit score to decrease 40 points. This is hurting me since Im trying to buy a home but this reduced my credit.
Consumer complaint received 2018-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have made consistent payments since at XXXX, possibly even going back to XXXX. Often times I have doubled my payments in an effort to quickly pay down the principle. When I inquired why my principle was not decreasing I was told that when I made extra payments that accelerated my interest, and any additional money I paid only went to interest instead of the principle. So essentially I had just been giving money away. So for probably the past year I have only been making minimum payments, but I have paid no less than {$290.00} per month every month for the past six years and only approximately {$1900.00} has gone to the principle on my loan. For some reason I have 5 separate loans with Navient. Since I've been making minimum payments I notice they are allocated in a way that I will always have a past due balance on at least one of the loans. For example if I have due payments of {$50.00} for each loan, and I make monthly payments {$250.00} ; one month the {$250.00} will only be allocated to the consolidation loans, then the next month it will be allocated to my other loans and the fees and interest from the previous month. Additionally every time I call them always try to talk me into a forbearance, a hold, or a adjusting my monthly payment which I have learned result in higher loan amounts.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Applied Business Services, Inc. (CA)

Date Opened : XX/XX/XXXX Account Name : APPLIED BANK Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$350.00} My identity was stolen 14 years ago but till this day they still apply for credit cards, car loans, personal loans, they even stole my mail from my mailbox thats how they were able to get the credit card from my mail then make payments for some time, thats why when you do your investigation everything matches, because they stole my mail, i haven't use my credit for over 10 years because of this identity theft i was XXXX when that happened, i don't even have anything to proof that this is not my account even if payments were maid, because they had bank accounts under my name, more then 10 years I'm trying to clean my credit report. thank you for understating please remove this negative account from my credit report because this doesn't belong to me.