davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-09-15
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. (IA)

I sent a dispute letter to TransUnion on XX/XX/2021 in regards to the inaccurate and misleading information being reported on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I opened my PNC business checking account on XX/XX/20, at the advice of a local PNC branch manager because the bank did not like large deposits going into a personal checking account. Additionally, when opening the account I enrolled under a new account bonus opportunity of {$200.00}. All that was needed to obtain the new account bonus was a deposit of {$5000.00} ( made on XX/XX/20 ) and twenty debit card transactions ( made between XX/XX/20, and XX/XX/20 ). The only other activity on the account deposits of {$7900.00} on XX/XX/20, {$21.00} on XX/XX/20, {$5900.00} on XX/XX/20, {$14.00} on XX/XX/20, and bill pay of {$5900.00} on XX/XX/20, and {$6000.00} on XX/XX/20. I received an odd, unforeseen call on XX/XX/20, from a PNC banker ( XXXX? ) inquiring about my business. It was clear from their tone of voice that the banker was suspicious of my account for an unknown reason. The banker asked a few questions about my business and the call ended without any advice or concern noted. The source of funds for deposit are not a mystery and I described this to the banker who called. My business is retail arbitrage -- I buy discounted items and then sell them at a profit. Had the banker asked, I may have been willing to provide a spreadsheet of my purchases and sales, but the banker wasn't interested in facts.

I received a notice in the mail dated XX/XX/20, that my account would be closed on XX/XX/20. No information was given or provided on this notice for the reason for closure. I called PNC bank XX/XX/20, to inquire as to the reason for the abrupt account closure with no reason given. I spoke with XXXX in " Bank Operations, '' who when asked for clarifying information on the closure stated, " PNC has decided to close the account on XX/XX/20. '' When I again inquired as to the reason why, I was told " PNC has the right to close the account based on the terms and conditions of the account, just like you have the option to close the account at will. '' Again, I asked for the reason for the closure and was not given a reason why. I then asked if there was an appeal process -- Many replied " No. '' I then asked if I could open up another account with PNC in the future as PNC meets my banking needs and XXXX replied, " We would never deny the application ... '' PNC bank is clearly biased against me as I filed a CFPB complaint against them earlier this year for not paying out the bonus for the personal checking account I had opened ( that dispute was resolved in my favor and the bank paid the new account bonus ). They also appear to be concerned about the source of funds for my account -- I told them but they didn't like the answer. Lastly, the timing of the account closure is suspicious as the new account bonus has yet to be posted. The account will likely will be closed before it does post as the new bonus may take up to 90 days ( XX/XX/20 ) once the conditions for the new account opening bonus are met.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Navient does not give a clear path to find your monthly statements on the website. I need documents easily if they want us to be paperless. This information is hidden and unattainable. I have to call to get documents. Tonight I have spent 45 minutes trying to find where statements are located with no success and it is too late to call to get my document sent. This should not be a difficult document to find.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I was unaware of this bill from 2015 until my a credit report was done. I had to contact XXXX to get the name of the debt collection agency and what it was from. I contacted the company and paid the bill in full. They advised me that it would be removed from my credit file. My paid in full confirmation number is XXXX.
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.
Consumer complaint received 2023-01-20
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. (PA)

I have gave notice to Transunion that an account on my consumer is being reported inaccurately and still hasnt updated my account not only do I believe they didnt conduct an investigation I have sent them proof of account never being late. As a furnisher of information It is there duty which under law there suppose to make sure everything is 100 % accurate which there not doing and is negatively affecting my life with there noncompliance which is against the FCRA. 

Attached is my statements from XXXX XXXX Bank
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXXXXX XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX XXXX   XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are ( 2 ) inquiries from the following merchant that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

Nationstar/Mr Cooper # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Consumer complaint received 2017-08-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In XX/XX/XXXX I purchased a home. In XX/XX/XXXX it was foreclosed on. Bank of America shows they did a charge off but on my credit reports it still says I owe {$22000.00}. I had XXXX XXXX disputing it and it looks like it was reaffirmed as of XX/XX/XXXX and my credit score plummeted XXXX points. The account was opened on XX/XX/XXXX. The last payment was made XX/XX/XXXX. The account status still shows open but the remarks are : Charged off as bad debt Profit and loss write-off. I did try to talk with them at some time in the last year and got nowhere.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2018 Chase Credit card company keeps calling me every couple of hours about a debit I owe them. I have already set up a payment to pay off the partial debit that is owed of XXXX I told the latest agent that called to please stop calling and they said that they can call how ever often they want to.
Consumer complaint received 2018-09-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CERTAINTY HOME LOANS LLC (NC)

On XX/XX/XXXX we closed on our home after much frustration with the lending agent, XXXX XXXX who is with the company XXXX XXXX. The house was built in XX/XX/XXXX and needed to be brought up to code with the mechanical aspects ( Electrical, Plumbing and HVAC ). We asked for a XXXX loan but was told we could do a Conventional Rehabilitation Loan. Prior to closing we were told that we needed to provide the monies for the contingency reserve as well as the monies for closing. This money was self-funded by us. It was stated that the monies in the contingency reserve would be returned to us after the work for the renovations, outlined in the contract, were completed. However now that the renovations outlined in the contract have been completed we are not receiving the self-funded contingency reserve monies back. We received documentation, to be signed, stating that the monies would be applied to the principal mortgage. This was not our understanding nor the understanding of our Real Estate Agent. When asked for the paperwork to review that showed that we didn't provide the contingency monies, it was not provided to us. XXXX XXXX at XXXX XXXX then stated that they would now leave out the contingency reserve and that we could get that back from XXXX. Our loan was sold to XXXX two months after we closed. After asking again for the paperwork to review that shows that we didn't put down the money for the contingency reserve, we still have not received it. This money amounts to almost 6K. We feel that this is a dishonest and misleading practice. XXXX XXXX required us to put these monies in reserve. We have reached out to our Real Estate Agent and they are very unhappy with how we have been treated in this whole process. They are currently looking for the closing agreement to show that we did self fund the monies for the contingency reserve. We wanted to start this process of complaint as we feel that they are not intending to return the monies we funded for the contingency reserve. Dishonest business practices like these can not go unnoticed and no one should have to go through this.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MS)

I called Netspend on XX/XX/2019 to report suspicious transactions that had came from my account. I filed and Transaction Dispute on that same day. I was told to call back within 10 business days to get the update from my dispute. Upon calling back yesterday XX/XX/2019 at ( XXXX ) I was told that there wasn't nothing they could do about my claim. Because it happened in a different state and I had to wait. To receive papers from the Dispute team in the mail within 7-10 business days after receiving the papers that's when I can call back to see if they will re-open another dispute case. 


On XX/XX/2019 an direct deposit amount of {$1800.00} was put on my Netspend card at ( XXXX XXXX ). And after that direct deposit a {$7.00} fee plan assessment was taken from the card I went to work from 7-3. At ( XXXX XXXX ) an transaction was taken from my account with another card that someone had put in their name in XXXX XXXX. 
1 ). Time of transaction ( 4:09 ) Amount taken from the account {$920.00} 2 ). Time of transaction ( 4:11 ) Amount taken from the account {$300.00} 3 ). Time of transaction ( 4:12 ) Amount taken from the account {$300.00} 4 ). Time of transaction ( 4:13 ) Amount taken from the account {$300.00} 5 ). Time of transaction ( 4:18 ) Amount taken from the account {$16.00} After the transactions was taken from my account I contacted Netspend and they blocked the card ending in ( XXXX ).
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED  XXXX XXXX XXXX XXXX OF EDXXXX XXXX DP OF EDUC XXXX USDOEXXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX DP OF EDUC XXXX USDOE/XXXX XXXX
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

Over a year ago I brought my XXXX XXXX XXXX to the XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey because of a fuel leak. This particular car is no longer made and XXXX was closed by XXXX XXXX a few ago now. 
Because XXXX is no longer in production, parts are not readily available. XXXX the store manager of the XXXX store in XXXX New Jersey decided to fabricate an entire new gas line for the car and this gas line is faulty and not installed properly. 
The car has only been driven less than 3000 miles since this faulty repair took place and the car is essentially useless at this point.
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (IL)

International Wire Transfer Request Date : XX/XX/XXXX Amount  sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.