davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NY)

PNC Bank started charging me a $ XXXX monthly maintenance fee for my Performance Select checking account in XX/XX/XXXX without clearly notifying me. I did not notice the recurring fee until XX/XX/XXXX, at which point I had unknowingly spent {$270.00} in fees. I called on XX/XX/XXXX to complain and spoke with XXXX and she said they would refund ( only ) two months of fees ( {$50.00} ). PNC Bank should be required to clearly and repeatedly explicitly notify customers when their account balance falls to a point where they begin charging maintenance fees. If an account falls below the required balance threshold to maintain a free performance select checking account, PNC bank should reduce the account tier instead of charging a maintenance fee to maintain a preferred account.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX some XXXX purchases for about {$73.00} were charged to my citi credit card. I thought I had used a different card and didnt see my email to pay card. This caused a {$29.00} late fee. I didnt see statement until XX/XX/XXXX and it had a new late fee of {$40.00}. I called and advised that I thought I had used another card and paid card in full. The rep said they understood and could reverse the fees. I checked my card again and saw the fee was not reversed. I called and I was told not to worry that they saw it and at end of closing it would be reversed. My bill closed XX/XX/XXXX and a new fee charge came in of {$40.00}. Now a total {$100.00}. I called and was on the phone with several people and they said nothing can be reversed. I explained that if they would have told me from the beginning I would have paid the late fee instead of compounding late fees. The rep hung up on me. I called today and closed my account.
Consumer complaint received 2022-04-29
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)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I submitted a complaint on XX/XX/XXXX, to XXXX and LexisNexis regarding false information reporting on my credit report. LexisNexis has responded to the case ; Complaint ID : XXXX. I attached the document from LexisNexis regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from LexisNexis and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting LexisNexis to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing LexisNexis to verify such information that does not exist. 

Per LexisNexis " Although LexisNexis Risk Data Management ( LexisNexis Data Management ), a LexisNexis Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX, LexisNexis Data Managements role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

XXXX rewards credit card ( a travel agency ) did not allow me to dispute an unauthorized charge from XXXX car rental back in XX/XX/XXXX. They work hand in hand with car rentals, hotels and airfare. I rejected the insurance on the rental because the man at the counter said if I have insurance on my vehicle at home, I did not need it. ( XXXX XXXX  ). 
XXXX did not allow me to dispute the charge! ( I paid XXXX for my whole travel to XXXX, air, hotel and car rental almost XXXX from XXXX  for 5 days ) Barclays which manages XXXX is backing them up and not allowing me to dispute this charge. I tried contacting XXXX but you can not get a live person and they never responded to my emails. 
My credit score dropped over XXXX points and I am not a fault. Why should I pay something that I did not ask for? 
If you XXXX XXXX on the internet, everyone who used XXXX is having the same problems as I. 'DO Not do business with this company they are horrible. I have been trying to get an issues resolved since XX/XX/XXXX, its now XX/XX/XXXX. You can never get anyone on the phone, they hang up on you or disconnect you. They tell you a supervisor will return your call within 12 -48 hours which never happens and there is never a supervisor available when you call. I had an issue with a merchant, the credit card company doesn't stand behind their protection offer at all. its all lies. take your business elsewhere please ..... '
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

We were trying to send money ( {$2000.00} ) from US to XXXX for medical purpose. XXXXe, Online Money Transferring vendor, on website promised that the money transfer will happen in just XXXX hours if I allow the site to access our Bank Information and that's what I did. Once the information is collected, the ACH debit immediately happened and money went out my account right away and then confirmation message said It's all set and the money will be available after 4 days instead of XXXX hours. We checked at the receiver end and confirmed that it was not received after 4 days. 

After 7 days, I logged into the website just to check what happened and realized that they have not processed yet waiting for me to answer two inappropriate questions to be answered for the transfer to start. I called up the Help Desk with XXXX and the support user promised that this case will be expedited and the person will be sending a confirmation email at the end of the day, which I have not received even after 10 days. That shows failure in providing a satisfied Customer service. 

I made a second call with Help Desk just to realize that my money is still not gone any where. So asked to get the transaction cancelled which will take another XXXX working days. XXXX was at least helpful to send an email confirmation of the discussion that I had. 

So we will lose a total of 14 days on a money transaction and caused delay in the medical treatment for a XXXX patient. 

I have done multiple transactions in the past with other companies, with no issues. I would definitely want XXXX to look into this and provide us a with a good compensation for the poor customer service and a failed transaction service.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

I have contacted Equifax by phone and by mail about all the inquiries on my consumer report as I have not applied for any consumer credit extensions. I have requested proof of these investigations and outcomes of these investigations and have recieved no information from equifax. My rights to privacy have been violated and I have never given equifax permission to furnish any of these inquiries because I have no idea of any of them. Equifax continues to be willfully noncompliant and negligent on deleting these hard and soft inquiries.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE CORPORATION (FL)

My loan officer from South State Bank has suddenly left or been terminated in the middle of my loan process. My closing date has been postponed from today XX/XX/29 with no rescheduled date. My contract is only binding until XX/XX/XXXX. I have not been given a new closing date and to be honest, if it is not scheduled on or before XX/XX/XXXX I will lose this house for my family because the seller is very unhappy with the delays as am myself.
Consumer complaint received 2022-04-29
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. (NJ)

My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.
Consumer complaint received 2022-04-29
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: ACIMA CREDIT, LLC (NC)

in accordance with the fair credit reporting act 15USC 1681 Section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B a creditor may not teat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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. (DC)

I speak with Equifax Customer Service. They threaten me that my credit reports stay negative for XXXX account in XX/XX/2016 until XXXX ( 10 years ). but my account was closed/paid off. I have a confirmation # XXXX.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

I have closed my credit card account with Barclays XXXX on XX/XX/2022. 
However, more than XXXX month later on XX/XX/2022, they posted a transaction charged by a service that I didn't want to subscribe. 
And when that company did that, they failed at least 3 times and sent me emails about billing failures on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
I didn't do anything thinking that the service renewal would naturally stop after that. 
So it was really astonishing that the transaction of {$52.00} succeeded afterwards. 

I contacted customer service of Barclays XXXX, and they acted as if it's only naturally for any merchant to be able to charge me even after the account closure. 
I complained and then they told me to " rest assure this is escalated for review '', and that their dispute team would work on it. 

However, nothing happened after that other than phone and email harassments from them. 
And when I complained to them again, the customer service suggested me to go talk to their X or Y departments directly. 
So I don't think they are capable of handling this simple thing and stop their harassment. 
As of XX/XX/2022, they want me to pay for {$300.00}, for the original {$52.00}. 
I doubt they have been keeping reporting things to significantly lowered my credit scores.
Consumer complaint received 2022-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

for almost 3 years since pandemic started we been trying unsuccessfully to get our XXXX loan XXXX by chase bank to be modify, into a fix rate and longer period we submit each and every document that they demanded and where given runaround by at XXXX  XXXX different Case manager by phone all documented with their name and ID and transcript of discussion at present time we are behind 6 months and find out that Chase bank submitted our loan to their attorney XXXX away to proceed with foreclosure.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

I reported fraudulent charges on my Citi XXXX on about XX/XX/17 while I was on vacation. These were addressed by the company, card disabled and a new card ordered and to be mailed to my home. Before the card had even been received, more fraud charges had been made with THE NEW CARD.I had not yet activated the card! I called, and of course spent HOURS gettting jerked around until I finally got a representative very fluent in XXXX in the " Fraud Dept. '' He could not understand how these latest charges occurred. Said maybe someone cloned my mobile phone and digital wallet -- I do not have a digital wallet. Anyway he passes me to someone else to rsolve things, who I had difficulty understanding, beause A she is working at home half way around the world and B her XXXX was heavily accented and her second language. Ridiculous. Dystopian. Well, she decides I need ANOTHER replacement card. Finally I told her I had had enough. COSE MY ACCOUNT. I am no expert, but please explain to me how this is NOT an internal security and privacy breech by Citi. At the very least, this needs to be mabe public and I would like a small compensation for the 4 hrs of time dealing with this mattter. Thank you. XXXX XXXX
Consumer complaint received 2016-03-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (AZ)

Every time we call 21st Mortgage they bully us. We made a house payment today but was still gon na be behind 1 payment. We recently had our vehicle break down ( had to pay XXXX $ out of pocket ) and we lost one of our fur babies very unexpectedly earlier this week ( another XXXX $ ) The supervisor we talked to said, he thinks we could be doing more and asked why my wife who is XXXX didnt work. No one should have to disclose that they are XXXX because of XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They also have called the community office attempting to collect private information about us. Asking them if we were current on the land rent. They are predatory debt collection practices and they need to stop.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX/ {$210.00} / XX/XX/2022
Consumer complaint received 2022-04-29
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (LA)

Someone gained access to all of my personal things when I left to go on a cruise in XXXX. I started paying attention to transactions on different card statements, I would call the merchants to dispute the transactions and allow them to see it wasn't me. It wasn't until just recently in XXXX when I gained access of my credit report and saw my credit score and that different cards were maxed out. I immediately called the credit bureaus to freeze my credit reports.
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-04-29
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (TX)

Got in a car accident XX/XX/XXXX which resulted in taking the XXXX vehicle to the hospital Fast forwarding to XX/XX/XXXX the amount was paid by the settlement for the amount of {$670.00} which can be attached to this complaint. The amount was removed from one of the three bureaus but not the others.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, my credit card was stolen at a gas station. I found that out when my wife received text message notifications that someone was using my credit card purchasing equipments from XXXX and adding gas at gas stations. As soon as we saw the text message, I called Chase customer service immediately and asked them to stop the account and file a lost report. 

Here are the transaction details : They all occurred on XX/XX/XXXX. 

{$70.00} XXXX {$480.00} XXXX {$380.00} XXXX {$70.00} XXXX Chase initially removed the transactions under the account and said they will do an investigation. 

Today when I checked my statements, all XXXX transactions were added back. I looked at the letter explaining their investigations, they denied all my claims and the only reason posted is You received benefit from this transaction. 

This is more than frustrating. I reported as soon as I could, within 30 minutes. I have not bought anything major from XXXX for years, no reason for me to buy XXXX large items within 30 minutes. How could I possibility benefit anything from these. XXXX XXXX a XXXX XXXX, my car will not even be able to hold gasoline worth {$70.00}. 


Chase is the only company that I have all my credit cards with, I have been banking with Chase for over a decade. I thought as an international bank, they can protect their customers. But this time Chase totally disappointed me and I dont even know what I can do. I am filing my complaint here and I am going to call Chase again next Monday. There is no way for me to accept the result and because I received benefit. As a XXXX XXXX XXXX, honesty and respect is the foundation of how I treat my patients and everyone around me. It is embarrassing how Chase treats its customers.
Consumer complaint received 2022-04-29
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I blocked my information because I had identity theft. Sent all docs needed prior. Every so often they lock me out of my account stating its an internal block because my name and address has not been verified. However, I have sent utility bills, my license, verified my social security number, etc, where my name and address are very visible. I held in the office for an hour to speak to someone, after verifying my name, social security number, date of birth and address, she proceeds to tell me I cant dispute inquiries on my account, I need to file a police report or prove it wasnt me. She then got upset because I asked her to provide me with original documentation showing where I gave these entities authorization to pull my credit report, because I have not! She tried to argue with me, got mad because I asked for a supervisor, left me on hold 20 minutes, then transferred me to an automated system asking questions about my call and hung up on me!