davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. ()

I used my debit card over the weekend and those charges were deducted from my balance. I checked my account on Tuesday, XXXX XXXX and the charges posted to my account but were also in pending. They charged me XXXX NSF fees for the pending charges which had already been deducted from my account. I tried talking with XXXX different representatives from PNC and they neither one seemed willing to help me check into it or resolve the issue. They told me that I had a refund already from back in XXXX 2015 which was from an error in a fee PNC could not explain except that it was charged in error and they would correct it. This should not count against me. There seems to be something weird going on with how they charge fees. I do not think {$140.00} in fees for something they ca n't even explain to me is fair at all.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Dept recovery solutions has sent me letters trying to say that multiple debts are mine they keep reporting multiple same amounts and same bill as different bills and stacking them on my credit. I have shown them that the debt wasn't mine so the responded with a letter trying to get me to say the debt was mine and giving out my personal information on the mail. Which is illegal.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

my wells fargo account was fraudently used in california and i live in florida i filed a dispute with wells fargo and they told me charges were valid this is crazy basically i lost a XXXX $ and they dont seem to care
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NC)

I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX  I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

My situation is that i have a Derogatory mark that is affecting my credit score, i have not been able to progress as much because this mark is really affecting me. I have now a mark by Diversified Consultants which they say i owe {$1500.00} from the Company XXXX. 

I need your help because this is not a fair debt, when i was XXXX years old i purchase internet from XXXX, months later i received a bill for some pending payments wich i already paid, i went to the XXXX store and told the person who worked there at the time, and he verified us and told me that does charged were not supposed to be there, i was really young at the time so i assumed everything was taken care. 
I am XXXX years old now, and i have this negative mark from XXXX in the amount of {$1500.00} which has affected my credit, i called the Company, and the collector Company also to dispute this issue and explain to them what really happened, and their response was that this debt is mine and i have to pay it. It is really frustating to have this mark in my credit for a debt of more tan 7 years, and i think is not fair to pay something that was not mine and supposed to be there. 
I can not afford to pay this, the Company has not given me any options and dont want to help, i really need this to be settled and removed, i can not afford the payments and is not fair that for this i have negative marks in my credit score and history, i work really hard to help my family and pay my bills, i have been trying to ask for credit but everytime this issue comes up. 
I appreaciate your assistance, this is my last resort to solve this inconvinience. 

Thank you.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees.

Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.
Consumer complaint received 2017-10-02
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)

The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been charged {$5.00} to unfreeze my account. Trans Union is not suppose to charge as I live in New Jersey. In NJ senior citizen and people who are identity theft victim are not suppose to pay. Trans Union website also says the same. 
The following are the description and transaction information : 1. Thursday XX/XX/XXXX, I requested unfreeze on my account so that XXXX can have my credit report before offering service at my home. My XXXX card has been charged {$5.00} 2. Friday XX/XX/XXXX, I requested unfreeze on my account so that XXXX XXXX XXXX can have my credit report before extending loan to buy the car. My XXXX card has been charged {$5.00}
Consumer complaint received 2019-10-26
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. (NY)

YOU CONTINUE TO ALLOW XXXX XXXX TO REPORT INACCURATE INFORMATION XXXX AND XXXX DELETE XXXX XXXX FOR VERIFYING INACCURATE INFORMATION YET YOU STILL ALLOW THEM TO DO IT IN MY LAST DISPUTE YOU WERE SENT A LETTER WITH THE DATE THIS ACCOUNT WAS SOLD COPY ENCLOSED YET YOU DON'T CARE XXXX XXXX SOLD THIS ACCOUNT ON XX/XX/2017 WHY ARE YOU LETTING THEM REPORT ME FAIL TO PAY IN XX/XX/2017 1 MONTH AFTER THEY SOLD THE ACCOUNT THEY CLAIM THAT I FAIL TO PAY THEM THAT MONTH IN XX/XX/XXXX HOW MANY MORE TIMES DO THEY HAVE TO REPORT INACCURATE BEFORE YOU DELETE THIS TRADE LINE?
Consumer complaint received 2019-10-26
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. (TX)

I sent three letters to XXXX, XXXX and Equifax with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Consumer complaint received 2017-07-06
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: Experian Information Solutions Inc. (MO)

In late   XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew wh at they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Consumer complaint received 2019-03-03
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Recovery Service, Inc. (VA)

I started XXXX XXXX College which was told I received a Pell Grant to go for XXXX $ I finished in XX/XX/XXXX because I had family issues but graduated in XX/XX/XXXX paid cash I did not sign any forms for loans. Here it is XX/XX/XXXX and they send me this bill. But the cost to finish was only 4 or 5000 $ in XX/XX/XXXX..This debt is Not my debt I am disputing it. Because XXXX at the time went to XXXX  for embezzlement students loans she only had me sign a form that's all ... back in XX/XX/XXXX I signed defer papers moved numerous of time and offer to pay when it was XXXX $ but I could only pay XXXX $ a month they denied me saying it was too low it had to be XXXX  or more I was struggling on welfare monthly check was XXXX . I couldn't afford XXXX $ a month they wouldn't accept so here I am haven't been able to pay I am XXXX XXXX and have XXXX income.They Use My Social security Number in a unlawful practice.I can't buy it sell anything with this on my Credit ... everyone goes by good credit scores. KJV Bible verse says a good name is more precious than rubies.I want my good name back this corporation have allowed these entities to ruin my life
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I dont even know I went to make a purchase at XXXX for my partners medication who is XXXX XXXX and still hasnt received any medication due to the fact that my funds are not being able to be access to me. Kept getting declined the register so I called my bank and they literally started laughing at me over and over again every time I called and what transferring me to anyone I can talk. I dont understand why
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (AZ)

I purchased cryptocurrency on XX/XX/21 from crypto.com. Last year, there was an update to the app and it deleted my login abilities. I've attempted to reach them and have been hung up on when calling, the chat does not work and they don't recognize my credentials. 

There is money in the account and they would owe me.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NC)

Credit Karma ( unwanted marketing, unauthorized credit report monitoring ) : Ive tried unsubscribing from Credit Karma. I personally have never signed up for credit monitoring with this agency ; however, I constantly receive emails for alerts, for alleged collection items, appearing on credit report ( XXXX   was identified ). Emails have link to open to view collection item. I never press link, instead, I delete email to guard against spyware, Trojan, cyber threat. 

Ive sent request to Email provider/the device manufacturer regarding spam abuse, unwanted emails and to block Credit Karma. I still receive unwanted email messaging from Credit Karma. Credit Karma service is unwanted and I have concern my credit report ( s ) is ( are ) subject of unauthorized access from impersonation, unauthorized monitoring. Of importance, Im responsible for selecting a monitoring service at my discretion.
Consumer complaint received 2017-10-02
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. (NC)

My husband and I requested a credit investigation in late XXXX.  XXXX and Trans Union have not responded yet, despite follow-up attempts.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the XXXX  data breach and gotten into the wrong person 's hands.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MO)

I moved address back in XXXX and did not receive the statements. As a result, I was late on payment for a few days. I contacted Citi and they told me to make a payment of the statement balance less the late fee charge and they will reverse the fee in 3 business days. I made a payment as told but I did n't get the fee reversed. I contacted again and they mentioned they would look into this and get back to me. However, they never got back to me and I did n't get the next month 's statement and I was charged late fee again! I am very frustrated about the customer service. They made false promises and could not even deliver their statements. They did not hesitate to charge fees even it is their own mistake.
Consumer complaint received 2019-03-04
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. (TN)

XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (MO)

I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX   since my lease was up. They called me and told me about the debt, I then emailed my XXXX  and they told me that they could not take that.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent documentation from the judge multiple times to all agencies regarding bankruptcy. 
All were vacated. Transunion has removed XXXX but continue to post XXXX that had the same outcome VACATED. id # XXXX was removed from my credit report however they left the following on my credit report. All were VACATED ... Here are the other XXXX ID numbers associated with the multiple documents sent to Transunion. 
ID XXXX and ID XXXX STILL ON MY CREDIT REPORT AND AGAIN ID XXXX WAS DELETED FROM THE REPORT. MAKES NO SENSE WHATSOEVER.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

This is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Equifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Experian somehow hijacked my XXXX card and signed me up for some unnecessary monthly monitoring at a cost of {$23.00} per month, starting inXX/XX/XXXX. I never approved nor would I have approved of this monitoring. Experian is crooked and needs to be investigated.