davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (KY)

PNC keeps over charging my account when I dont have over draft. They cant find out how Im overdrawn or when I was overdrafted. I tried to over draft once it was XXXX dollars and it wouldnt let me but somehow every couple days my account is overdrafted a large amount. But it wouldnt even let me spend XXXX dollars over. I also had a hotel refund me my deposit and it never came back to my account and the charge is gone as well. But I never had the money returned. They have taken over XXXX in overdraft when I cant overdraft. I write down my transactions and deduct it myself. And I have money just gone.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.
Consumer complaint received 2022-10-06
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (PA)

Multiple attempts were made to contact the debt collection agency in regards to a debt showing in my credit report that does not belong to me. The representative today confirm the debt belongs to XXXX XXXX XXXX and the company is using my social security. I contacted the person reporting this debt and she was able to confirm this debt does not belong to me and effort were made multiple times to remove my name and social security number from that debt. I just contacted the debt collector again today and refused to acknowledge the debt and when requested to remove my social security, they started threatening me, indicating that they will be pursuing legal action and that they will be contacting the police. This was a tactic to state that the debt belongs to me. I have an email from the manager who is reporting the debt, in the email the manager is confirming this debt does not belong to me. The debt collector is refusing to contact the debt reporter to confirm that this debt does not belong to me. This agency should be banned from doing business again
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have repeatedly tried to pay this card off and have met resistance over and over again. Capital One has not one time complied with their agreements made with me including payments. I originally applied for this card due to their loyalty program regarding in time payments for 6 months and due to their reluctance in accepting payments and complying with terms agreed upon within the contract and personal agreements between myself and their associates I was kicked out and now I have accrued late fees, return payment fees, and interest that should not have been added. I finally got fed up and closed my account and that was when the real trouble began. 

Several times my payments were not recorded due to Capital One refusing to process payments an/or claiming they never received them even when I proved through receipts, bank statements, and/or copy of money orders. Most recently we both agreed to a XXXX XXXXXXXX payment to be processed on Tuesdays and they have changed it to Wednesdays without my knowledge or consent. Two weeks ago on the XXXX of XXXX this agreement was made and a {$25.00} payment was made that day which was processed on the same day and taken out of my account the following day. Last Tuesday a payment was not processed so I called Thursday, the XXXX, and that was when I found out the payment date was changed to Wednesdays and that the process takes 3 days. Today makes the XXXX day and still no payment process Yesterday, the XXXX, I called to cancel weekly payments and the payment from last week still had not been processed. I am sick and tired of the laziness of this company that is destroying my credit and has been for almost 2 years. This is not the first time I have had this issue with them. They have done this exact same thing on the other card I had with them and I want this off my credit IMMEDIATELY!!!!!
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I set up a credit freeze on Equifax about 1.5 years ago. I recently went to temporarily lift the freeze using the PIN number they provided at the time I set up the freeze. During the process they asked me to set up a login and password, which required providing personal identifying information ( address, SSN ). When I went to set up a temporary lift on my security freeze, they did not ask me for the PIN I was originally given. This means that anyone who gets access to my Equifax account can lift the security freeze without the PIN. This begs the question : was the PIN a required security measure that Equifax is now ignoring and no longer enforcing? 

Furthermore, they definitely make it difficult to ascertain the state of your credit freeze and manage information about it.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX 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.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act CXXXX : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX 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.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

On XX/XX/XXXX I received a letter from debt collector file number XXXX stating that I owed {$5500.00} from the original creditor XXXX XXXX XXXX XXXX. I then call XXXX to check, but they could not find any account ending in XXXX under my name. The only account open and was close account ending in XXXX with XXXX balance.this account was open in XXXX.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

I refinance my used vehicle loan through NFCU. Around XX/XX/2021 I requested form XXXX from the banking institution regarding all statements of accounts, in order for me to file my taxes correctly on the used vehicle loan assessment, in which I was told, management would get back with me regarding that, because the current staff was unaware, but I never received any notice regarding what I requested.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account XXXX
Consumer complaint received 2024-02-20
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)

I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on XXXX and Equifax dropped from approximately XXXX to XXXX for XXXX and XXXX for Equifax with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/2024 my score was XXXX then in XX/XX/2024 my report showed that it was going up by XXXX points which should have made it XXXX but you never made the change, I recorded it. Then you add insult to injury by taking the score down by XXXX points, I recorded this too. We have been watching the injustices you have been doing for decades, my score should be close to XXXX but because of these tactics you are using on the American people you've managed to keep it down thus participating in the act of oppression not just on me but to XXXX XXXX XXXX others also and this will come to the attention of the people in our government. Oppression is illegal, and we have all the evidence.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following items currently listed on my consumer report, as they have been reported without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 USC 1681b ( 2 ) : 1. XXXX XXXX Credit Card Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX ( Charged Off ) Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX XXXX Account Number : XXXX The information reported for these accounts is incomplete, inaccurate, and has been reported without my explicit written consent. This violates my rights under the FCRA, which clearly states that consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates ( 15 USC 1681b ( 2 ) ). 

Furthermore, the FCRA prohibits creditors from treating a payment on an account under an open-end consumer credit plan as late for any purpose ( 15 USC 1666b ). Therefore, any late payments reported for these accounts are also in violation of federal law.
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Contacted Suntrust now Truist regarding the covid forbearance program, however they said they were not following the recommended implementation for XXXX XXXX XXXX, and that instead veterans must request 90 day segnents rather than the six month initial period and 6 month additional period set forth by the XXXX XXXX XXXX XXXX XXXX XXXX. 

So, I naturally contacted them during the following 90 day segments. 

I was told there would be a paperwork to sign at the end of the program related to modifying the loan. 
However Suntrust now Truist has not sent that paperwork. 
And their automated system is not allowing me to make a payment on the loan. 
I have tried relaying these concerns to Suntrust now Truist. 
But the representatives say it is too complicated for them and they need to wait for an answer from their litigation team before sending me those forms. 
1 ) Does this mean that instead of following the governments guidelines, that they are preparing to ambush me with some sort of litigation? 
2 ) Can they use a less scary name for their " litigation team. "? 
3 ) Why is their system rejecting my payments? 
4 ) Why does Suntrust now Truist not to follow the department of veterans affairs own guidelines for the covid relief program 's time periods? 

Additionally, Suntrust now Truist had refused to recognize the local tax authorities ' crrtification of my property tax exemption, and overpaid my property taxes from the escrow account. 

This exemption has since been recognized by Suntrust now Truist. 

This overpayment occured on XX/XX/2021. 
The overpayment was returned and received by Suntrust now Truist on XX/XX/2021. 
With the escrow being funded from the loan, this seems to mean that my loan balance increased for a period of 16 days, due to Suntrust now Truist drawing funds out for escrow. 
Additionally for several months, while Suntrust now Truist refused to recognize the property tax exemption and paperwork forwarded to them by the City 's tax office, it seems funds were taken out in order to fund future calculated tax bills. 

This seems to have had the effect of un-needingly enlarging my total loan balance and accrued interest at Suntrust now Truist 5.So my escrow account amount, and interest amounts are in need of review and correction.
Consumer complaint received 2022-08-08
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. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

Company provided a " Financial Acknowledgement Form '' containing my forged signature. 
Note : Company could not provide a valid explanation for this action. 

In a earlier request, company was requested to provide debt validation documents to verify debt. However, company provided a false document as a replacement for a document that it did not possess. 

Additionally, in an attempt to request an explanation of the forged document, the company justified its answer to the Attorney General 's Office and my self with the explanation, " We do not know how to answer that claim ''.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This item was deleted and you reinserted it without notifying me 5 days after this the account was in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on Transunion and XXXX dropped from approximately XXXX to XXXX for Transunion and XXXX for XXXX with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-07-19
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. (DE)

In accordance with the Fair Credit Reporting act 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.