davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DE)

I went into the bank on a Saturday and asked the teller to look up my account and issue me the balance of the account. I did not specify the amount as I wanted to make sure any pending transactions or charges I was not aware of in the past 24 hours since reviewing my balance were accounted for. I did not specify how to issue these funds as I did not care. I was issued a cashiers check that day. I received an overdraft notice a week later advising that I was XXXX overdrawn with that transaction and was incurring a fee. I tried to resolve the issue by asking why the XXXX overdraft and why they felt it moral to charge me continually fee upon fee on what, I believe, is a charge not accounted for for the cashiers check she issued. I 've been refused a waiver of these fees, instead they continue to charge me and send threating letters. I 'm asking that they explain how the XXXX overdraft was incurred and waive the astronomical fees ( over XXXX now ) on this XXXX overdraft error they caused.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MO)

I immediately checked my Credit Report to see if the previously disputed accounts were already corrected, but to my disappointment, the Credit Bureaus have not yet corrected my Credit report. I previously sent a letter last XX/XX/2022, requesting that the Credit Bureaus investigate and correct the information being reported by some accounts on my Credit Report. I investigated my Credit Report and notice the following : a ) there are accounts being reported as late even though the accounts have never been updated and the balance is XXXX ; b ) the Accounts being reported as charge offs still indicates its balance, as far as I know, charge off accounts should no longer report balances on a credit report ; and c ) there accounts that are removed or not being reported on some of the Credit Reports and it makes me wonder why do some of the Credit Bureaus still indicate the removed accounts? I came to a conclusion that to correct my Credit report, the Credit Bureaus must remove the accounts reporting erroneous information on my Credit Report. Once again, I am requesting the Credit Bureaus to please remove the following erroneous accounts if the Credit Bureaus are not able to verify them for themselves : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-10-09
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: SYNCHRONY FINANCIAL (OH)

I was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit (CA)

Lake City Credit has been calling me during my work hours after several requests not to. After my most recent request not to call me during work hours they called me back immediately after I hung up on them. 

They are trying to collect a debt that is not only already paid, but well outside of the statute of limitations and not on my credit report. This is harassment. 

They have called me from the following numbers : ( XXXX ) XXXX ( 972 ) XXXX
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (MO)

Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A charge off was re-inserted into my credit report after being deleted for several months. I did not receive no such notification. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for blatant disregard for the law.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

Yes I have filied a identity theft to the XXXX credit reporting companys. I got 1 response to 1, the other 2 have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My XXXX complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I sent a XXXX XXXX XXXX to XXXX XXXX on XX/XX/2020 and the money was taken from account. And then I recieved a message from XXXX XXXX saying they would not send it to her for my protection and that it will be refunded in 1-2 business days. The money was never put back. I then filed a dispute with the bank they said 90 days. My 90 days was up on XX/XX/2020 still nothing so I called the bank asking what happen the representative place me on hold and called the investigator department. Then came back to the line and said my money would be put back in the account in 24hrs. So it's monday XX/XX/2020 and still no refund. So I call back this morning and was placed on hold again for about 40 minutes and he said they are working on it while I'm on the phone he then came to the phone and said they denied the claim for XXXX for a XXXX. I said that is not what I'm dispute I did that one it is for XXXX XXXX. He then tells me no it's not it is for XXXX I'm telling him XXXX XXXX has I'd numbers for each transaction you do with them and that is a nother number not the same as XXXX as I will send proof. He tells me nothing he can do. So I call back and got someone else he says I won't see the transaction because it was deleted from my bank account history and says XXXX XXXX deleted. So I started how can they delete bbva history for account he said they can. Again I'm still saying the money was not put back. So I tell him where does it say XXXX XXXX refunded me he says it will not show anymore. At this point I'm frustrated it's covid going on and I need my XXXX $ I'm not working. I have all receipts to proof this I have waited for 90 days and I need this to be resolved. I ask to speak to a supervisor and was told I can't speak to one they have other obligations to do besides speaking to me. How rude I need this to be taken care of thank you. And also my overdraft does not work on the account they say do not know why. It wouldn't even overdraft for XXXX $ I get deposits and been having it for a while. And also I attached the receipt foe XXXX you can see that it is 2 different I'd numbers for both transactions
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (TX)

I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.
Consumer complaint received 2020-10-19
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: SG and Associates (TX)

I have wrote and disputed the same item by " SG & associates '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against XXXX XXXX. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, SG & associates, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. XXXX  refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (PA)

Firstly, there are inaccuracies on my credit reports from the different credit agencies regarding my student loan that falls under 15usc 1681. 
The student loan Mohela/Dofed on XXXX states it was open on XX/XX/XXXX. On XXXX and XXXX the loan was open on XX/XX/XXXX. XXXX states my balance is {$18000.00} however XXXX and XXXX state my balance is {$18000.00}. 

Secondly, when I filled out the student loan application I signed a privacy act form that said the school will not provide any transaction history to any third party companies which apparently they ignored. So pursuant to the family educational rights and privacy act of 1974 the school violated the act in the form.

15 usc 6802-6805 states Im able to opt out of financial institutions in giving my non public personal information to third party institutions such as XXXX, XXXX and XXXX without my written consent or without giving me ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I never received a non disclosure option or an opportunity to opt out of sharing my information with third party agencies.
Consumer complaint received 2022-02-14
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. (VA)

I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TN)

I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collection Services, Inc. (OK, TX) (OK)

I am not XXXX. I get frequent calls from businesses and creditors looking for him. I do not know him. Some businesses continue to call even after I 've told them this is not his number and I do not know him. I have even been called a liar. Today, a woman who identified herself as XXXX from American Collection Services Inc informed me that she or her company will continue to call because XXXX gave this number. She says that as long as this number was provided they can call because it is not their fault. I told her that I would file a complaint if she called again. She said go and ahead and file it because they will call again.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

My wife and I applied for a Citi XXXX account in XXXX on the internet. There was a special deal advertised where if we spent {$7000.00} within 3 months, we would get XXXX bonus prestige points. We applied online and received the credit card. Just now, I have been informed that while we did get the credit card, which comes with a hefty {$450.00} annual fee, which we have already paid, we did NOT qualify for the bonus, because we had opened a previous Citi credit card account within the previous 24 months. They claim that this was clearly specified to us in the terms of service, yada yada yada, but of course that 's basically meaningless. Other credit cards I have applied for with similar bonuses have just flat turned us down if they felt we did n't qualify for the terms of the bonus, which is perfectly fair. I do not object to them having this policy, I object to them not making it VERY clear, during the application process, that we would NOT be qualifying for the bonus.
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IL)

XXXX is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: URS Holding, LLC (AZ)

This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX/2017 I called Equifax to have a number of addresses and phone numbers I did not recognize a 's being any that I have lived and phone numbers that I do not recognize as being any that I have had since having a phone and I was hung up on. I called back and was told after 45 minutes of holding that they could not dispute this information for me.