davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (FL)

I am very upset. I have been charged overdraft charges everyday for 3 days as the overdraft charges are causing more overdraft charges. Yesterday they even reordered on check to get an extra overdraft charge. This is all because XXXX large check was deposited earlier than the person said he would deposit it. I talked to someone yesterday that said no supervisor was available to speak to and one would call back which has not happened. 
I tried to chat online and they did nothing. I spoke to a supervisor on chat who did nothing
Consumer complaint received 2022-03-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

These credit bureaus have been contacted several times regarding an inaccurate address on my credit report, in order to have it removed from my credit report. When I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC, or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to the FTC and still, they didn't delete the inaccurate address from my credit report. This inaccurate address is causing me issues, because not all of my mail is coming to my address, and it makes me susceptible to fraud, to which I have been a victim of before.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.
Consumer complaint received 2022-03-22
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. (CA)

XXXX XXXX ( FICO Credit Score : XXXX Top 1 % ) Account : XXXX XXXX XXXX Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our 28 ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX FICO score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

XXXX and XXXX XXXX Email : XXXX ; XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I have submitted 3 times - police reports and other fraud paperwork to each of the collections agencies that XXXX XXXX has sold this debt too. The amount is {$1500.00} the name of the person is XXXX XXXX - XXXX XXXX, Michigan- the account was opened in XX/XX/2019 to XXXX XXXX 

I do not know or have ever given permission to anyone to use my information to gain access to any services provided by XXXX XXXX XXXX XXXX I have asked each agency to provided any paperwork or contact that would have been signed to gain services by XXXX XXXX and each collection agency " XXXX XXXX does not have any paperwork ''. Please help me have this collection debt remove from my credit history.
Consumer complaint received 2020-04-19
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX  XXXX XXXX  # XXXX Date Opened:XXXX Balance $ {$640.00} XXXX  XXXX XXXX  # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date Opened:XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} THE BUREAUS XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Consumer complaint received 2020-04-19
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. (WV)

TransUnion not helping when calling there customer service line and know help working with me when I try disputing inquiries thats on my credit report there fraudulent and like them removed off report
Consumer complaint received 2023-03-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (AL)

I lost my wallet and I have been learning of my credit report and my card ordered from credit karma was lost seeing that it was in my wallet along with my other items such as my XXXX business card given by a fellow member. Im reporting in case of fraud or scams.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2023-03-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-13
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. (CA)

In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from XXXX, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : XXXX, Equiffax, and XXXX  U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with your agency, Case No. XXXXYou completely did nothing to help me. I never heard from you so I called your office late XXXX. XXXX of your staff told me that the reason my case was not resolved was because I was not clear with my desired resolution. I gave her my new mailing address because we moved from XXXX XXXX, XXXX XXXX, 2015. On XXXX XXXX, 2015, I wrote a letter and per your staff representatives specific instructions and forwarded it to your office ( see attached ) I have never heard anything more from Consumer Financial Protection Agency. 

I was cleaning out my file cabinet and saw my file for this matter last week. I went on line and found the link for me to see the status of my complaint. My old address was still there, the new address was not updated. I wrote to XXXX XXXX XXXX XXXX see attached ) on XXXX XXXX, 2015. 

I was trying to figure out how to get back into my case today and needed help. I called and a lady told me my case was closed. XXXX. She told me it was closed in XXXX, I told her that was impossible, that I had spoken with a CFPB staff representative the end of XXXX 2015 XXXX I will look for my phone audits that I have because of the type of accounts I have with XXXX XXXX and she told me the reason it had not been resolved is because I was not clear about my desired resolution. The representative even helped me with the specific language to write my letter and submit it. 

Today your representative said she probably could not help me because my online file was closed. I told her that is impossible, I had just logged in last XXXX, she disputed my information so I immediately logged in. 

Today your staff said I received a response and directed me to an attachment link on the page where it said a response was. I never knew this. I was not even aware until XXXX XXXX, that I could log on and see my case. 

I did open the file and was so upset, the response is worthless, obviously B of A read nothing! They tell me to go to my bank ... that is where I started and I am back at square one over a year later!!! OMG. 
I went to XXXX went to my bank and they gave me the information for B of A FIA Credit Card DepartmentI went to the Office of the XXXX Bank XXXX went to the Office of the ComptrollerI was instructed to go to you, The agency, Consumer Finance Protection BureauI am not better off than when I started. 

The attached letter your representative directed me to today is worthless, it says nothing, there is no way a person of integrity and honest person with B of A read my supportive documents and came up with this response. NEVER! 

How can your agency, funded to help individuals/companies like ours accept this generic letter and close my case? 

My last step is the US Attorney General if you do not find integrity and do the right thing, review all I have submitted, follow up with BofA and resolve this matter and provide my specific request of being reimbursed by XXXX/BofA. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (MS)

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.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My account has been locked since the XX/XX/20. Whenever I call the number on the back of the card, if I'm lucky enough to get through at all, the automated system puts me on hold then disconnects me at 2 hrs 8 minutes. This has happened many times over several days. I am unable to use my card for anything at all. I'm out of cash and almost completely out of essential items. There's no way to contact the company other than by phone or mail and no one is answering.
Consumer complaint received 2017-01-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Company is robo calling my house early in the morning every 2 days for over 2 months. I am not the person they are calling, I am not related to the person, I do n't have nay idea who is the person they are calling. My answering machine clearly states my name. They only leave number to settle debt and that person has not way to have my number removed and states they only can talk to person who owes debt. The robo call does not leave any method to alert them that they are calling wrong number.
Consumer complaint received 2023-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (GA)

XXXX XXXX XXXX and XXXX XXXX both ceased all business and shut down officially as of XX/XX/2023 and filed bankruptcy as of XX/XX/2023 I was tricked into a lease with XXXX XXXX XXXXXXXX not a finance loan like they advertised on tv red flag one false advertisement. They sold all accounts without notice to their customers no call no email no certified mail anything now Westlake portfolio management a debt collector is harassing me and other customers to pay a debt we didnt start with no proof of owed debt no proper letter in the mail just spam calls daily from different local numbers and international numbers when asked for a debt validation letter we get hung up on or sent a email with their contact information when we request for our original contract with XXXX they never send anything theyve breached contract by selling our information and not honoring warranty which was apart of original contract with XXXX me and other customers do not feel comfortable paying a debt collection company thatll in the end crash our credit and they arent XXXX accredited
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (AZ)

On the morning of XX/XX/2022 my mother-in-law ( XXXX XXXX XXXX ) closed her savings account with Ally Bank and requested that the funds be transferred to her XXXX XXXX checking account so that it would be included in her trust. I have a screen shot showing that Ally would take 1-2 business days to close the account ( {$250000.00} ) and 3-5 business days to transfer. She passed away on XX/XX/2022 but Ally Bank was never notified because we knew that this transfer was in process. She never received notification that there was any issues with transferring the funds. On XX/XX/2022 I attempted to log onto her account to see if the funds had transferred and the account locked because the inquiry came from a new device. After contacting Ally later we were told that they would need documentation. I sent them her death certificate, copy of the document recorded at the XXXX XXXX Recorders Off e showing me the Trustee of her trust, a copy of my drivers license and directions on where the funds should go. They come back saying that it would need to go to probate now. I argued that this should have been a done deal and that Ally dropped the ball. When I asked Ally Bank what was the issue with the transfer of funds all they say is We cant disclose that information. It was obviously an error and their part and now they want us to spend thousands of dollars going through probate.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry was reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 2022